<?xml version="1.0"?><rss version="2.0"><channel><title>Team Ulster's Blog</title><link>http://www.UlsterCountyHouses.com/blog</link><description>Ulster County New York real estate market news provided by Team Ulster</description><lastBuildDate>Wed, 29 Feb 2012 03:00:00 GMT</lastBuildDate><item><title>Attention Homeowners: Your New To-Do List</title><description><![CDATA[<p>
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/SS Appliances.jpg" style="width: 370px; float: left; height: 450px" /></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">If you&#39;ve invested in expensive technology consider protecting your investment with regular service by a professional. Builders, inspectors and other experts say that&#39;s always wise. Don&#39;t let the contract lapse.</span></span></span></p>
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">Follow the manufacturer&#39;s advice for care and service.&nbsp;Owner&#39;s manuals are online. Just check the product for a model name or number, and go to the company site. The manual should answer most questions. Many have helpful pictures, and there&#39;s usually a toll-free hotline on which an expert (if you&#39;re patient) can answer questions. Today&#39;s homes are filled with components that weren&#39;t so common years ago. They make your home more efficient and less work. You can&#39;t ignore them entirely, though. So, as you plan your chores and projects for the coming year, here are some to keep in mind.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Limestone/marble</strong><br />
	These ancient materials are more popular than ever. Not all stones need sealing. Ask your stone pro. Buy the best sealers you can afford. Grit and acids are the biggest threats to marble and limestone.&nbsp;Clean surfaces with a few drops of neutral cleaner, stone soap (available at hardware stores) or a mild liquid dish detergent and warm water. Go easy on the cleaner or soap, because too much can leave a film. Rinse thoroughly and dry.&nbsp;Do not use abrasive cleaners, or ones with lemon, vinegar or other acids.&nbsp;For deep stains, try a poultice at&nbsp;<a href="http://www.marble-institute.com/consumers">www.marble-institute.com/consumers</a>.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Treated crawl space/attic</strong><br />
	Closed, or sealed, crawl spaces are touted as efficient - and healthy - alternatives to the traditional vented crawl spaces. They&#39;re certainly drier and cleaner and brighter, so you shouldn&#39;t mind sticking your head under your house from time to time. And you absolutely should, experts say. Don&#39;t ignore this chore.&nbsp;Check regularly to make sure no moisture is getting in. If there&#39;s a dehumidifier, make sure it&#39;s working.&nbsp;Look for condensation. And if you see standing water, you have a real problem.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Vinyl windows</strong><br />
	Vinyl windows are tough, and extremely popular. They should get a yearly inspection.<br />
	Clean window tracks of debris. Make sure weather stripping is sound and making proper contact. Replace as needed. When cleaning, never use abrasives. That can damage the vinyl skin of the window. If you need to lubricate a track, use pure silicone spray, not WD-40.&nbsp;Follow the manufacturer&#39;s recommendations for caulking. When washing windows, be cautioned that bleach can discolor dark vinyl colors. And, remember, window films can void your window warranty.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>HardiePlank/fiber cement siding</strong><br />
	It won&#39;t rot. It holds paint. And it&#39;s very durable. It&#39;s the siding of choice on many new homes. Often called HardiePlank, it&#39;s almost trouble-free. Still, inspect annually. If caulking fails, water can penetrate the joint and damage the wood and framing behind the siding. If you&#39;re going to check your home&#39;s exterior less often, use caulk rated for at least 20 years, and longer is better. Choose a quality silicone or polyurethane.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Fiberglass doors</strong><br />
	Minor dents can be filled with auto body putty. Follow the instructions on the can and, just as if you were working on a car, don&#39;t stint on the sanding. Uneven spots will show. For larger areas, cut out damaged fiberglass with a grinder. Repair with mat and resin from fiberglass repair kit. Prime, then paint. with 100 percent acrylic.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Stainless steel</strong><br />
	Stainless steel is hot for kitchens because it looks good, resists rust and cleans easily. The biggest complaint about stainless is that the fridge shows all those little handprints.<br />
	Clean with a specialty product such as 3M Stainless Steel Cleaner and Polish. Such products create a barrier against fingerprints.&nbsp;Avoid products with chlorine; mild abrasives can scratch. Read labels.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Multihead showers</strong><br />
	There are six times as many connections that can leak, six times as many shower heads that can clog. Check regularly and clean with CLR or some other solution. You can use white vinegar to clear a shower head that has been clogged with mineral deposits. Place vinegar in a plastic bag, enclose the head and secure the bag to the shower neck with a rubber band or twist tie. Let stand for at least two hours.</span></span></span><br />
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515"><strong>Composite decking</strong><br />
	Early on, composite decking was billed as a trouble-free - and chemical-free - alternative to treated lumber. You still have to clean it.&nbsp;The best way to prevent stains is to sweep or hose off regularly.&nbsp;To wash, use a commercial composite deck cleaner. Jomax is one popular brand.<br />
	For stubborn stains, allow solution to sit for a few minutes and scrub with a bristle brush.<br />
	Be careful with power washers. Some decking manufacturers recommend against them, and using one can void your warranty. Other makers suggest smaller washers with no more than 1300 PSI, with the fan tip no closer than 8 to 10 inches from the surface.&nbsp;The best known maker of composite decking, Trex, recommends that you wash your deck twice a year, in spring and fall, to prevent mold and mildew.</span></span></span><br />
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	<span style="font-size: 10pt"><span style="font-family: arial, helvetica, sans-serif"><span style="color: #151515">Allen Norwood, Charlotte Observer</span></span></span><br />
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	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Attention-Homeowners-Your-New-To-Do-List</link><guid>http://www.ulstercountyhouses.com/Blog/Attention-Homeowners-Your-New-To-Do-List</guid><pubDate>Wed, 29 Feb 2012 03:00:00 GMT</pubDate></item><item><title>Health Effects of Combustion Products in Your Home</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><img src="http://www.ulstercountyhouses.com/agent_files/Carbon%20Monoxide.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 310px; float: left; height: 310px; border-top: white 20px solid; border-right: white 20px solid" /></span></span><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 9pt"><span style="color: #151515"><span style="font-family: lucida sans unicode"><span id="cke_bm_208S" style="display: none"> </span></span></span></span></span></span><br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="color: #151515"><span style="font-family: lucida sans unicode"><span style="font-family: arial, helvetica, sans-serif">In addition to <a href="http://www.epa.gov/smokefree/index.html"><span style="color: #0000ff">environmental tobacco smoke</span></a></span></span>, other sources of combustion products are unvented kerosene and gas space heaters, woodstoves, fireplaces, and gas stoves.  The major pollutants released are <a href="http://www.epa.gov/iaq/co.html"><span style="color: #800080">carbon monoxide</span></a></span>, <a href="http://www.epa.gov/iaq/no2.html"><span style="color: #0000ff">nitrogen dioxide</span></a>, and particles.  Unvented kerosene heaters may also generate acid aerosols.</span></span></p>
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	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">Combustion gases and particles also come from chimneys and flues that are improperly installed or maintained and cracked furnace heat exchangers.  Pollutants from fireplaces and woodstoves with no dedicated outdoor air supply can be "back-drafted" from the chimney into the living space, particularly in weatherized homes.</span></span></span><br />
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	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><span style="color: #151515"><span style="font-family: lucida sans unicode">Health Effects of Combustion Products</span></span></strong></span></span></p>
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	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="color: #151515"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/co.html"><span style="color: #800080">Carbon monoxide</span></a></span> is a colorless, odorless gas that interferes with the delivery of oxygen throughout the body.  At high concentrations can cause a range of symptoms from headaches, dizziness, weakness, nausea, confusion, and disorientation, to fatigue in healthy people and episodes of increased chest pain in people with chronic heart disease.  The symptoms of carbon monoxide poisoning are sometimes confused with the flu or food poisoning.  Fetuses, infants, elderly people, and people with anemia or with a history of heart or respiratory disease can be especially sensitive to carbon monoxide exposures.</span></span></span></p>
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	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="color: #151515"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/no2.html"><span style="color: #0000ff">Nitrogen dioxide</span></a></span> is a reddish brown, irritating odor gas that irritates the mucous membranes in the eye, nose, and throat and causes shortness of breath after exposure to high concentrations.  There is evidence that high concentrations or continued exposure to low levels of nitrogen dioxide increases the risk of respiratory infection; there is also evidence from animals studies that repeated exposures to elevated nitrogen dioxide levels may lead, or contribute, to the development of lung disease such as emphysema.  People at particular risk from exposure to nitrogen dioxide include children and individuals with <a href="http://www.epa.gov/asthma/index.html"><span style="color: #0000ff">asthma</span></a></span> and other respiratory diseases.</span></span></p>
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	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><em><span style="color: #151515"><span style="font-family: lucida sans unicode">Particles,</span></span></em><span style="color: #151515"><span style="font-family: lucida sans unicode"> released when fuels are incompletely burned, can lodge in the lungs and irritate or damage lung tissue.  A number of pollutants, including <a href="http://www.epa.gov/radon/index.html"><span style="color: #0000ff">radon</span></a></span> and benzo(a)pyrene, both of which can cause cancer, attach to small particles that are inhaled and then carried deep into the lung.</span></span></span><br />
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	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="color: #151515"><span style="font-family: lucida sans unicode">Basic Information on Pollutants and Sources of Indoor Air Pollution</span></span></span></span><br />
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/asbestos.html"><span style="color: #0000ff">Asbestos</span></a></span></span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/biologic.html"><span style="color: #0000ff">Biological Pollutants</span></a></span></span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/co.html"><span style="color: #800080">Carbon Monoxide</span></a></span> (CO)</span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/formalde.html"><span style="color: #0000ff">Formaldehyde/Pressed Wood Products</span></a></span></span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/lead.html"><span style="color: #0000ff">Lead</span></a></span> (Pb)</span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/no2.html"><span style="color: #0000ff">Nitrogen Dioxide</span></a></span> (NO<sub>2</sub>)</span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/pesticid.html"><span style="color: #0000ff">Pesticides</span></a></span></span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/radon/index.html"><span style="color: #0000ff">Radon</span></a></span> (Rn)</span></span></li>
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		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span 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12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span 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12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/rpart.html"><span style="color: #0000ff">Respirable</span></a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></a></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></a></span></span></span></span></span></span></span></span></span></span></span></span></a></span></span></span></span></span></span></a></span></span></span></a></span></span></span><span style="color: #0000ff"> Particles</span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/smokefree/index.html"><span style="color: #0000ff">Secondhand Smoke/ Environmental Tobacco Smoke</span></a></span></span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/combust.html"><strong><span style="color: #800080">Stoves, Heaters, Fireplaces, and Chimneys</span></strong></a></span></span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode"><a href="http://www.epa.gov/iaq/voc.html"><span style="color: #0000ff">Volatile Organic Compounds</span></a></span> (VOCs)</span></span></li>
</ul>
<p>
	 </p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><span style="color: #151515"><span style="font-family: lucida sans unicode">Reducing Exposure to Combustion Products in Homes</span></span></strong></span></span></p>
<ul>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode">Take special precautions when operating fuel-burning unvented space heaters.<br />
		<br />
		Consider potential effects of indoor air pollution if you use an unvented kerosene or gas space heater.  Follow the manufacturer's directions, especially instructions on the proper fuel and keeping the heater properly adjusted.  A persistent yellow-tipped flame is generally an indication of maladjustment and increased pollutant emissions.  While a space heater is in use, open a door from the room where the heater is located to the rest of the house and open a window slightly.<br />
		 </span></span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode">Install and use exhaust fans over gas cooking stoves and ranges and keep the burners properly adjusted.<br />
		<br />
		Using a stove hood with a fan vented to the outdoors greatly reduces exposure to pollutants during cooking.  Improper adjustment, often indicated by a persistent yellow-tipped flame, causes increased pollutant emissions.  Ask your gas company to adjust the burner so that the flame tip is blue.  If you purchase a new gas stove or range, consider buying one with pilot less ignition because it does not have a pilot light that burns continuously.  Never use a gas stove to heat your home.  Always make certain the flue in your gas fireplace is open when the fireplace is in use.<br />
		 </span></span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode">Keep woodstove emissions to a minimum.  Choose properly sized new stoves that are certified as meeting EPA emission standards.<br />
		<br />
		Make certain that doors in old woodstoves are tight-fitting.  Use aged or cured (dried) wood only and follow the manufacturer's directions for starting, stoking, and putting out the fire in woodstoves.  Chemicals are used to pressure-treat wood; such wood should never be burned indoors.  (Because some old gaskets in woodstove doors contain asbestos, when replacing gaskets refer to the instructions in the CPSC, ALA and EPA booklet, <em>Asbestos in Your Home - </em><a href="http://www.epa.gov/asbestos/pubs/ashome.html"><span style="color: #0000ff">www.epa.gov</span></a><span style="color: #0000ff">/asbestos/pubs/ashome.html</span></span>, to avoid creating an Asbestos problem.  New gaskets are made of fiberglass.)<br />
		 </span></span></li>
	<li>
		<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: lucida sans unicode">Have central air handling systems, including furnaces, flues, and chimneys, inspected annually and properly repair cracks or damaged parts.<br />
		<br />
		Blocked, leaking, or damaged chimneys or flues release harmful combustion gases and particles and even fatal concentrations of carbon monoxide.<br />
		<br />
		Strictly follow all service and maintenance procedures recommended by the manufacturer, including those that tell you how frequently to change the filter.  If manufacturer's instructions are not readily available. change filters once every month or two during periods of use.  Proper maintenance is important even for new furnaces because they can also corrode and leak combustion gases, including carbon monoxide.<span id="cke_bm_208E" style="display: none"> </span></span></span></span></li>
</ul>
<p>
	 </p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Health-Effects-of-Combustion-Products-in-Your-Home</link><guid>http://www.ulstercountyhouses.com/Blog/Health-Effects-of-Combustion-Products-in-Your-Home</guid><pubDate>Wed, 29 Feb 2012 03:00:00 GMT</pubDate></item><item><title>Starting Seeds</title><description><![CDATA[<p>
	<span style="font-size: 10pt"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Starting Seeds.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 391px; float: left; height: 310px; border-top: white 20px solid; border-right: white 20px solid" /></span><br />
	<span style="font-size: 12pt">Starting plants from seed is an easy way to grow flowers and vegetables on the cheap. For the cost of a seed packet, you can enjoy oodles of flowers and vegetables. Plus, you get to experiment with unusual plants that aren&rsquo;t commonly sold in containers or cell packs. A bonus to those raising or mentoring kids: starting seeds is a great activity for children. Here&rsquo;s what you need to get started:</span></p>
<p>
	<span style="font-size: 12pt">A container: You can use a seed-starting flat, peat pots, discarded cell packs, or old containers, such as yogurt cups and egg cartons.</span><br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt">Seed-starting mix: A special mix that provides the right medium for seeds to set root. You can buy a prepackaged mix or make your own with equal parts peat moss, vermiculite, and perlite.</span></p>
<p>
	<span style="font-size: 12pt">Light: Use grow lights or set your seed trays in a sunny window. Grow lights need to be placed within 8-10 inches of plants for photosynthesis.</span></p>
<p>
	<span style="font-size: 12pt">Step 1: If you&rsquo;re reusing old cell packs, scrub them with soap and water, rinse, dry, and then spray with a 10% bleach solution to kill any pathogens.</span></p>
<p>
	<span style="font-size: 12pt">Step 2: Once the cell pack has dried, fill it with the seed-starting mix and tamp gently to remove air pockets.</span></p>
<p>
	<span style="font-size: 12pt">Step 3: Sow seed following packet directions. Large seeds, such as beans and peas, are easily placed by hand. For tiny seeds, such as lettuce, you may wish to use a folded piece of paper and a toothpick to help distribute seed more easily.</span></p>
<p>
	<span style="font-size: 12pt">Step 4: Irrigate with lukewarm water. Use a watering can with a gentle flow so you don&rsquo;t wash the seeds out of the soil. Keep the soil moist, not wet.</span></p>
<p>
	<span style="font-size: 12pt">Step 5: Set near a light source. You can use grow lights or a south-facing window. Be sure the area is warm. Seeds germinate best in temperatures that range from 70 to 85 degrees Fahrenheit. Seeds will germinate in two days to a week, depending on species.</span></p>
<p>
	<span style="font-size: 12pt">Seedlings can be transplanted to larger containers or directly to the garden when danger of frost has passed. It&rsquo;s best not to transplant seedlings until they have developed at least one set of true leaves in addition to the tender growth that originally emerged from the seed. Seed starting is so easy, and it&rsquo;s a cost-effective way to grow all the plants you want.</span><br />
	&nbsp;</p>
<p>
	<span style="font-size: 10pt">Lowe&rsquo;s Creative Ideas</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Starting-Seeds</link><guid>http://www.ulstercountyhouses.com/Blog/Starting-Seeds</guid><pubDate>Wed, 29 Feb 2012 03:00:00 GMT</pubDate></item><item><title>2011 Ulster County Real Estate Statistics</title><description><![CDATA[<p>
	<br />
	<br />
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Home%20Sales%20Stats.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 213px; float: left; height: 230px; border-top: white 20px solid; border-right: white 20px solid" /><br />
	<br />
	<span style="color: #151515">The final numbers are in for 2011 home sales in Ulster County.&nbsp;&nbsp; Here are some highlights from the charts shown below:</span></span></span></p>
<p>
	<br />
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; The number of homes sold in 2011 was 914, down from the high of 1,711 homes sold in 2005 &ndash; a 45% decline.</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; Home sales in the $400,000 to $900,000 range declined by 61% from 2005 to 2011.</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; In 2011, home sales were most active below $400,000, with sales under $100,000 being at their highest level in the last eight years.</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; There was a 22% drop in the median price of homes from their high in 2007 of $250,750 to $199,000 in 2011.</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; The number of days a house was on the market from listing to closing was 188 days in 2011, up from 126 days in 2004.</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">&bull; It is a great time to buy a home, as interest rates are at their all-time low, and prices have dropped to there lowest level in 10 years.</span></span></span></p>
<p>
	&nbsp;</p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">The following charts were compiled based on information taken from the Ulster County Multiple Listing Service.</span></span></span></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 1.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 2.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 3.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 4.jpg" style="width: 480px; height: 360px" /><br />
	&nbsp;</p>
<p>
	&nbsp;&nbsp;&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 5(1).jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 6.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 7.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 8.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 9.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 10.jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p style="text-align: center">
	&nbsp;<img alt="" src="http://www.ulstercountyhouses.com/agent_files/2011 Stats, Page 11(1).jpg" style="width: 480px; height: 360px" /></p>
<p>
	&nbsp;</p>
<p>
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/2011-Ulster-County-Real-Estate-Statistics</link><guid>http://www.ulstercountyhouses.com/Blog/2011-Ulster-County-Real-Estate-Statistics</guid><pubDate>Tue, 31 Jan 2012 03:00:00 GMT</pubDate></item><item><title>Healthy Home, Room by Room</title><description><![CDATA[<p>
	<span style="font-size: 10.5pt"><span style="font-family: times new roman"><img src="http://www.lowescreativeideas.com/Libraries/0510%20-%20Project%20Images/healthy_home_01.sflb" /></span></span><br />
	<br />
	<br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Before you tackle each room, consider these overall tips to make your home healthy:<br />
	<br />
	<br />
	&bull; Favor harder surfaces, which are healthier because they attract less dust and are easier to clean. Bare floors are better than carpet; leather chairs and sofas are better than upholstered furniture.<br />
	<br />
	&bull; Choose shades for window treatments. They don&#39;t gather as much dust as blinds and fabric curtains and are easier to keep clean.<br />
	<br />
	&bull; Keep your home tidy and organized. Neat homes are cleaner and healthier. Pick up messy rooms and keep items off the floor.<br />
	<br />
	&bull; Place a floor mat or rug at every door. People track in all sorts of chemicals via the dirt on their shoes. A mat helps to keep pollutants from entering your home.<br />
	<br />
	&bull; Make your home a no-smoking zone.<br />
	<br />
	&bull; Test your home for radon. This colorless, odorless gas is the second leading cause of lung cancer in the U.S. today.</span></span><br />
	<br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">BEDROOM<br />
	<br />
	Consider this: You spend a third of your life in bed. If you wake up with a runny nose or itchy throat, dust mites might be the problem.<br />
	<br />
	Say &quot;goodbye&quot; to bed bugs: Wash sheets weekly; blankets every two weeks in hot water. Freeze non-washable stuffed animals for two or three hours. Opt for washable pillows and comforters over those made with down or feathers. Replace pillows every two years.<br />
	Laundry baskets and hampers can be a playground for germs -- don&#39;t forget to clean them regularly.<br />
	<br />
	Keep a healthy level of humidity. Dust mites and mold love moisture. Keeping relative humidity around 30 to 50 percent helps keep these and other allergens under control.<br />
	Install CO detectors close to sleeping quarters. Replace after five years.<br />
	<br />
	Keep closets organized and clutter at bay. Remember, tidier = healthier.<br />
	<br />
	When choosing paints look for low- or no-VOC products to avoid head aches and respiratory problems.<br />
	<br />
	<br />
	<br />
	LIVING ROOM<br />
	<br />
	The living room is where the whole family goes to relax, unwind and feel good. Keep it healthy and happy by following these tips.<br />
	<br />
	Houseplants work as a natural air filter by adding oxygen and absorbing carbon dioxide. Some of the best houseplants for treating indoor air pollution: philodendron, English ivy, spider plant, dracaena, weeping fig, peace lily, bamboo and reed palm.<br />
	<br />
	Make sure to open your windows from time to time and air out the house. Fresh air will help clear allergens from a room.<br />
	<br />
	For safer fires, install a fireplace insert and check the chimney yearly. Install carbon monoxide alarms and store firewood outside the house.<br />
	<br />
	Using a vacuum cleaner that has strong suction, rotating brushes, and a HEPA filter ensures that dust and dirt won&#39;t get blown back out into the room. In high traffic areas, vacuum the same spot several times. For best results, vacuum two or more times each week and clean your filter regularly according the maker&#39;s directions.<br />
	<br />
	Even if routinely change furnace and air conditioner filters and vacuum regularly, you may still want the extra insurance of an air purifier, especially if members of your household have respiratory problems. When shopping for a system, look at the CADR (Clean Air Delivery Rate) number -- the higher the number, the stronger the cleaning power.<br />
	<br />
	If you have pets, keep them out of the bedroom. After all, that&#39;s where we spend the majority of our time at home. Bathe your pets regularly as well, and keep them off of the furniture.</span></span><br />
	<br />
	<br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">KITCHEN<br />
	<br />
	Kitchens are the hub of the home. Keep these tips in mind for a healthy kitchen.<br />
	<br />
	Mopping picks up the dust that vacuuming leaves behind. New microfiber mops and dust cloths reportedly capture more dust and dirt than traditional materials and don&#39;t require any cleaning solutions whatsoever.<br />
	<br />
	Filtering your water has never been easier, thanks to the variety of purification products available, including whole house water filtration systems, under the sink filters and faucet-mounted devices.<br />
	<br />
	Don&#39;t forget to replace the filters on your refrigerator&#39;s water and ice maker.&nbsp; Thoroughly clean and disinfect your refrigerator monthly.<br />
	<br />
	Wash wooden boards in the sink with a brush and hot soapy water; non-porous boards of plastic, acrylic or glass can be tossed in the dishwasher.<br />
	<br />
	The best strategy for keeping countertops and other kitchen surfaces healthy is two-fold: first, wipe away any visible messes with a paper towel. Then follow up with an anti-bacterial wipe or a diluted solution of bleach and water.<br />
	<br />
	A clean home is a healthier home and cleaning with eco-friendly friendly cleaners is the healthiest.</span></span><br />
	<br />
	<br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">BASEMENT<br />
	<br />
	Basements can make or break a healthy home. If they&#39;re too damp, they can become a haven for mold. Neglected furnace filters and air ducts can send allergens throughout your home. Follow these tips for a healthy basement.<br />
	<br />
	Use a HEPA furnace filter and remember to change every month (or follow the manufacturer&#39;s recommendations.<br />
	<br />
	Look for fragrance-free or naturally-scented laundry products.<br />
	<br />
	To prevent mold from taking hold, don&#39;t let wet clothes sit in the washer for long periods of time.<br />
	A dehumidifier (and air conditioner during summer months) helps reduce indoor humidity levels and effectively controls allergens.</span></span><br />
	&nbsp;</p>
<p>
	<span style="font-size: 10pt"><span style="font-family: arial, helvetica, sans-serif">Article from&nbsp;Lowes Creative Ideas</span></span><br />
	<br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Healthy-Home-Room-by-Room</link><guid>http://www.ulstercountyhouses.com/Blog/Healthy-Home-Room-by-Room</guid><pubDate>Tue, 31 Jan 2012 03:00:00 GMT</pubDate></item><item><title>5 Inexpensive Home Updates to Complete before Listing Your Home</title><description><![CDATA[<p>
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Prep to Sell.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 331px; float: left; height: 222px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span><span style="font-size: 12pt">There is no perfect formula for selling your home efficiently, but by following these five tips prior to listing you can increase your chances to close quickly at a higher price.<br />
	<br />
	1.) Update your old garage door(s). Garage doors seem like a non-issue, but many times they make up a significant percentage of the front of a home. Because of this, they are one of the first things that buyers notice when they pull in the drive way. Replacing, or even just painting, these central fixtures will do wonders when it comes to instantly impressing perspective buyers and standing apart from your competition. The market has changed drastically since many of us purchased our homes here in town. I frequently hear buyers say that they have taken a house off their list because of the lack of curb appeal. This issue is especially important to people on busier streets, corner lots, or near a neighborhood eyesore.<br />
	<br />
	2.) Replace old windows. Outdated windows age a home significantly, and you can often upgrade standard windows to vinyl for a reasonable $300 per window. The average home has 8 windows, so this upgrade doesn&rsquo;t cost nearly as much as you might think and it will make a huge difference to the value perceived by prospective buyers. Key point to remember is that when buyers view a home they love, if they see it has older windows, they consider it a time consuming and costly headache. First time buyers have never replaced windows and often dramatically overestimate the cost to cure this issue. By replacing pre-listing you an actually save money. A well priced, move-in condition home will sell for far more than one with windows in need of repair.<br />
	<br />
	3.) Assess your floors . If you have hardwood flooring, it&rsquo;s worth the investment to have them refinished considering buyers put an extremely high value on them; you&rsquo;ll get the most bang for your buck if they are refurbished. Carpets should be shampooed and replaced if they are stained or look worn. You don&rsquo;t need to spend large amounts of money on the highest grade or most modern name but something inexpensive and neutral will certainly bring you a return on the investment. Even the smell of new carpet will make buyers set your home apart from the comparables.<br />
	<br />
	4.) Paint the trim. If you can&rsquo;t afford the daunting task of painting your entire house, painting just the trim will still make a big difference when it comes to curb appeal. Painting the whole house can be expensive, time consuming, and delayed by weather conditions; painting just the trim will give your home a fresher look. Interior trim is equally as important.<br />
	<br />
	5.) Update fixtures. Keep an eye out for sales at home improvement stores and replace outdated lighting, plumbing and hardware fixtures. Simple replacing lighting fixtures and knobs in the bathroom or kitchen can update the entire look of the room. You can find many modern brand name fixtures online on contractor supply websites by just searching for terms like sale faucets, sale plumbing fixtures etc.<br />
	<br />
	<br />
	By&nbsp;Lisa Johnson Sevajian</span><br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/5-Inexpensive-Home-Updates-to-Complete-before-Listing-Your-Home</link><guid>http://www.ulstercountyhouses.com/Blog/5-Inexpensive-Home-Updates-to-Complete-before-Listing-Your-Home</guid><pubDate>Tue, 31 Jan 2012 03:00:00 GMT</pubDate></item><item><title>Private Drinking Water Wells</title><description><![CDATA[<p>
	<br />
	<br />
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Private%20Well.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 300px; float: left; height: 263px; border-top: white 20px solid; border-right: white 20px solid" /><br />
	<span style="color: #151515">If your family gets drinking water from a private well, do you know if your water is safe to drink? What health risks could you and your family face? Where can you go for help or advice?</span></span></span></p>
<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><span style="color: #151515">EPA regulates public water systems; it does not have the authority to regulate private drinking water wells. Approximately 15 percent of Americans rely on their own private drinking water supplies, and these supplies are not subject to EPA standards, although some state and local governments do set rules to protect users of these wells. Unlike public drinking water systems serving many people, they do not have experts regularly checking the water&rsquo;s source and its quality before it is sent to the tap. These households must take special precautions to ensure the protection and maintenance of their drinking water supplies.</span></span></span></p>
<ul>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/basicinformation.cfm"><span style="color: #0000ff">Basic Information</span></a> - Learn about the types of drinking water wells and guidelines for proper construction.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/whereyoulive.cfm"><span style="color: #0000ff">Where You Live</span></a> - Find information about private drinking water wells in your region or state.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/faq.cfm"><span style="color: #0000ff">Frequent Questions</span></a> -This page answers questions you may have about your well water.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/health.cfm"><span style="color: #0000ff">Human Health</span></a> - Learn about health risks associated with drinking water wells.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/partners.cfm"><span style="color: #0000ff">Partnerships</span></a> - Several organizations are working to keep private drinking water wells safe.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/whatyoucando.cfm"><span style="color: #0000ff">What You Can Do</span></a> - Learn how to do your part in keeping your drinking water well safe.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/publications.cfm"><span style="color: #0000ff">Publications</span></a> -Download or order copies of brochures, booklets, posters, reports, and multi-media publications.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/links.cfm"><span style="color: #0000ff">Related Links</span></a> - Link to web sites with additional information on private drinking water wells.</span></span></li>
	<li>
		<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><a href="http://water.epa.gov/drink/info/well/glossary.cfm"><span style="color: #0000ff">Glossary</span></a> - Look up unfamiliar terms in EPA&rsquo;s electronic glossary <a href="http://water.epa.gov/drink/info/well/#area#area" title="delicious"><span style="color: #0000ff">Delicious</span></a></span></span></li>
</ul>
<p>
	<br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Private-Drinking-Water-Wells</link><guid>http://www.ulstercountyhouses.com/Blog/Private-Drinking-Water-Wells</guid><pubDate>Mon, 26 Dec 2011 03:00:00 GMT</pubDate></item><item><title>Making Your Windows More Efficient</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Window.jpg" style="margin-top: 20px; width: 270px; margin-bottom: 20px; float: left; height: 270px" /></strong></span></span><br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">With all the money we spend this time of year on presents, parties, and everything else &mdash; who really can afford to let money fly right out the window? Do Your Part during these chilly months to make your windows more efficient to cut down on your utility bills.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">In the winter, drafty windows can account for up to 25 percent of our heating bill.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">However, there are some fixes that will make all the difference. Common choices include insulating drapes, interior storm windows, and plastic window insulation kit. Each of these solutions has its own pros and cons, but they all insulate the same way. They create an insulated air buffer between your home and the window surface.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Insulated drapes are considered the most attractive option, but experts stress the importance of proper insulation. Drapes must be flush with the wall to effectively create an air space between the window surface and the curtains. Improperly installed curtains that let air pass through the sides of the drapes can actually pull heat away from the room.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Drapes, of course, can be reused and will help reduce utilities costs in every season.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Interior storm windows can be fitted to your windows and are effective at reducing air infiltration. These units use a fitted pane that often clips into a frame. Pane materials range from the more expensive glass to polycarbonate plastic. The advantage to interior storm windows is that they can be reused for several years. Many favor interior storm windows over exterior varieties because they are easier to install will require less maintenance. According to the U.S. Department of Energy, interior storm windows can reduce heat loss by 25 to 50 percent.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Plastic insulation kits are a very economical choice. Kits include a plastic sheet that is attached to a window frame with adhesive tape and then stretched tight by applying heat with a hair dryer. The plastic film is made of vinyl, polyester or polyethylene and can technically be removed and stored for next winter&#39;s use. Most homeowners, however, find these kits to be single season items due to tears in the plastic and the milky appearance created by the aging plastic.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">So which is your best choice? Go with a reusable option like interior storm windows or insulating drapes. Homeowners that want to realize long term savings should consider upgrading to Energy Star qualified windows. Energy Star-rated windows will have a substantial upfront cost but are the most efficient way to reduce home heat loss around windows.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Whether you go big or small, do your part to keep the warm air inside your home and more money in your wallet.</span></span><br />
	&nbsp;</p>
<p>
	<span style="font-size: 10pt"><span style="font-family: arial, helvetica, sans-serif">By Terri Bennett (c) 2010, The Charlotte Observer</span></span><br />
	<br />
	<br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Making-Your-Windows-More-Efficient</link><guid>http://www.ulstercountyhouses.com/Blog/Making-Your-Windows-More-Efficient</guid><pubDate>Mon, 26 Dec 2011 03:00:00 GMT</pubDate></item><item><title>Plaster Ceilings Peeling After Half a Century</title><description><![CDATA[<p>
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Peeling%20Plaster.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 245px; float: left; height: 295px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span><br />
	<span style="font-size: 12pt">Question: My parents have lived in their house for 48 years. The house is about 54 years old. They have always used good-quality paint.&nbsp; About three years ago the ceiling began to peel. When a representative from the paint company came to inspect the situation he said it was the plaster on the ceiling and not the paint.&nbsp; They have delayed painting because the ceilings continue to peel. What might be the cause and what do you suggest they do? Seems like too long a time for this to happen.<br />
	<br />
	Answer: Moisture is a likely cause, high humidity in the house, inadequate ventilation after insulating, a leaky pipe in the shower, clogged dryer vent - just about anything - might cause the plaster to be damp and make it difficult for the paint to adhere to the surface.<br />
	<br />
	Much of what I see on the Internet about peeling paint on plaster ceilings has to do with much older houses that have several coats of paint including the be-very-careful-with lead-based stuff.<br />
	I&#39;m almost sure it is a moisture issue, because that&#39;s what I have found over the years with my own older houses, much older than your parents&#39; place. Until you solve it, you won&#39;t be able to repaint successfully, and then you&#39;ll need to prep very carefully and thoroughly before you do.<br />
	I asked Deborah Zimmer and the Paint Quality Institute about what makes paint fail. The clues, she said, can be found in the way your paint is failing.<br />
	<br />
	&quot;The evidence is right there, you just need to know how to interpret it,&quot; she said.<br />
	If your exterior paint is peeling, the culprit is probably moisture. Peeling occurs when wet wood swells underneath the paint, causing the paint film to loosen, crack, and ultimately peel.<br />
	Water can reach the wood through un-caulked joints or a leaky roof. Another possibility: water being forced underneath the roofing shingles because of clogged rain gutters.<br />
	<br />
	Bubbles or blisters in your paint can eventually lead to peeling, so they can&#39;t be ignored. This problem can usually be traced to either heat or moisture.&nbsp; If your house was originally painted on a very hot day in direct sunshine, for example, blistering can result, especially if a dark-color paint was applied.<br />
	<br />
	Sometimes, moisture is to blame. Excess moisture from within the home can build up behind the paint and cause blisters (this is less likely with latex paint, which is vapor permeable); rain or heavy dew can also produce blisters if the surface preparation wasn&#39;t done properly or if low-quality latex paint was used.</span><br />
	&nbsp;</p>
<p>
	<span style="font-size: 12pt">|<span style="font-size: 10pt">By Alan J. Heavens, Inquirer Real Estate Writer</span></span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Plaster-Ceilings-Peeling-After-Half-a-Century</link><guid>http://www.ulstercountyhouses.com/Blog/Plaster-Ceilings-Peeling-After-Half-a-Century</guid><pubDate>Mon, 26 Dec 2011 03:00:00 GMT</pubDate></item><item><title>Bring Your Kitchen out of the Dark with Layers of Light</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Kitchen%20Lighting.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; margin-top: 20px; width: 291px; margin-bottom: 20px; float: left; height: 275px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span><br />
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Lighting is often described as the jewelry of the home. But it&rsquo;s more critical than that, especially in kitchens, where it&rsquo;s all about slicing, dicing and reading recipes. So maybe the new catchphrase should be: &ldquo;Lights are the eyes of the home.&rdquo;<br />
	<br />
	&ldquo;Kitchen lighting is so crucial and should be one of the first things people think about when they&rsquo;re designing or remodeling a kitchen, but it often gets last priority,&rdquo; says lighting consultant and interior designer Lisa Duncan. &ldquo;People spend tens of thousands of dollars on their kitchens, but then you can&rsquo;t see the new improvements or what you&rsquo;re doing if the lighting isn&rsquo;t right. Then I come along, and drywall has to be ripped out.&rdquo;<br />
	<br />
	<br />
	Instead of doing an overhaul of her decades-old kitchen, Sasha Paulsen updated the lighting in her favorite room.&nbsp;Her dark kitchen, with only a can light above the sink and another above the prep area, was a problem. She couldn&rsquo;t always see what she had, especially in the corners under her cabinets. With Shirley Allen of the Light Shop, Paulsen rethought the types of lighting in her kitchen.<br />
	<br />
	Over the sink: She swapped the can for a glass and nickel pendant that provides better illumination, which is key for washing hands and cookware (she has three racks of pots and pans). Bonus: It&rsquo;s much more attractive.<br />
	<br />
	Above the table: She replaced a 1960s scalloped metal fixture original to the house with a &ldquo;more inspiring&rdquo; metal sculptural one with white shades. The shades eliminate the glare of a bare bulb.<br />
	Under the cabinets: Lights were installed under the cabinets to illuminate the corners, making them more usable. And Paulsen sees a big difference when she&rsquo;s performing prep work, such as slicing vegetables with a sharp mandolin.<br />
	<br />
	&ldquo;It&rsquo;s changed my whole cooking and dining experience,&rdquo; says Paulsen. &ldquo;And the process of kneading dough and baking bread, too.&rdquo; Not only do under-cabinet fixtures provide proper task lighting, they add pleasant ambience for home entertaining.<br />
	<br />
	&ldquo;Adding under-cabinet lighting is the No. 1 thing you could do if you want to update your kitchen and make it more functional,&rdquo; says architectural and kitchen designer Billie Deatherage. Deatherage always includes dimmer switches in her remodeling and new construction plans. &ldquo;They are inexpensive and can give you the control to make your kitchen go from production mode to entertainment mode quickly. And they save energy.&rdquo;<br />
	<br />
	Paulsen loves the difference a dimmer switch makes in her kitchen. But one of the challenges with kitchen lighting is that it adds heat. Lighting consultant George McMillen&nbsp;sees the problem all the time. &ldquo;People will remodel their kitchen and love it in the fall and winter, but then spring and summer comes and suddenly, it&rsquo;s too hot,&rdquo; McMillen says.<br />
	<br />
	So McMillen is using more LEDs (light-emitting diodes) &mdash; particularly under-cabinet lights versus xenon and especially halogen because LEDs don&rsquo;t produce as much heat, and they&rsquo;re more energy-efficient. Consumer Reports recently tested 60-watt incandescent bulbs and their energy-saving equivalents. The magazine&rsquo;s conclusion: You can find a CFL or LED that will give you the brightness and light quality you like, and it will save you around $50 over the life of each CFL and anywhere from $65 to $400 over the lifetime of each LED. &ldquo;The challenge with LED is the color &mdash; it can look too warm or too cool,&rdquo; he says. &ldquo;But the technology is getting there.&rdquo; Designers and lighting consultants are steering away from the matching pendants above an island. &ldquo;They&rsquo;re almost like a gate,&rdquo; says Allen of the Light Shop. &ldquo;You want to move them out of the way so you can see what&rsquo;s happening in the kitchen.&rdquo;<br />
	<br />
	OVER THE SINK<br />
	There&rsquo;s a new focal point for lighting in the kitchen: the sink. Sasha Paulsen&nbsp;replaced a can light with a statement fixture. &ldquo;Look how beautiful kitchen sinks have become &mdash; and functional with the built-in cutting boards and colanders,&rdquo; says interior designer Dianne Boren. &ldquo;You can actually see to wash your hands and the dishes.&rdquo; Boren has a dimmer control for her sink light and others in the kitchen. She likes how it glows.</span></span></p>
<p>
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">UNDER CABINETS<br />
	Kitchen and architectural designer Billie Deatherage&nbsp;in Kansas City makes sure all her kitchen projects have under-cabinet lighting. &ldquo;It&rsquo;s so important for task lighting,&rdquo; she says. &ldquo;But it&rsquo;s also a great ambient light for entertaining.&rdquo; She advises installing under-cabinet lighting toward the front of the bottom of a cabinet. If it&rsquo;s installed in the back, the light doesn&rsquo;t distribute evenly and creates bright spots and shadows.<br />
	<br />
	ALL-IN-ONE<br />
	Geri Higgins is seeing more kitchen ceiling fixtures that have integrated exhaust fans &mdash; an alternative to the large range hood. Styles range from contemporary to crystal chandelier. Elica&rsquo;s &ldquo;Star&rdquo; ventilation light is $4,265 at Portfolio.<br />
	<br />
	CAN ALTERNATIVES<br />
	If you don&rsquo;t like the hot spots that recessed can ceiling fixtures make on countertops, consider frosted glass fixtures. Shirley Allen advised interior designer Dianne Boren to use them in her kitchen. Boren likes the results.<br />
	<br />
	ABOVE DOORS<br />
	Shirley Allen advises designers and clients to install sconces above kitchen doors exit-sign style. &ldquo;They act as night lights for teens getting in at night or for late-night snackers.&rdquo; Interior designer Dianne Boren&rsquo;s kitchen has a sconce to the door leading outside and another to a hallway. &ldquo;This is an under-the-radar lighting detail, but it&rsquo;s functional and pretty.&rdquo;</span></span></p>
<p>
	&nbsp;</p>
<p>
	<span style="font-size: 10pt"><span style="font-family: arial, helvetica, sans-serif"><span style="font-family: arial, helvetica, sans-serif">By Stacy Downs</span></span></span><br />
	<br />
	<br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Bring-Your-Kitchen-out-of-the-Dark-with-Layers-of-Light</link><guid>http://www.ulstercountyhouses.com/Blog/Bring-Your-Kitchen-out-of-the-Dark-with-Layers-of-Light</guid><pubDate>Thu, 01 Dec 2011 03:00:00 GMT</pubDate></item><item><title>Decorative Rock and Gravel are Great for Landscaping</title><description><![CDATA[<p>
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Rock%20and%20Gravel%20Landscaping.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 372px; float: left; height: 275px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span><br />
	If you&#39;re looking for solutions to landscaping challenges, decorative rock and gravel just might be the ticket.<br />
	<br />
	Drainage issues? Budget-friendly alternative to a paved patio? Interesting edging for your flower beds? Check, check, check.</span><br />
	<br />
	<span style="font-size: 12pt">The dilemma for Pam Messick was that nothing grew under the linden tree in her front yard, one of those giant trees with the dramatic canopies you see lining the streets of Prairie Village, Kansas. Not grass, not ivy, not even hostas.<br />
	<br />
	&quot;My husband and I&#39;d sit on my front porch, and it would look like a dust bowl,&quot; she says. &quot;It wasn&#39;t pretty.&quot; Working with Sharp Landcaping this year, Messick selected cobblestone reminiscent of summers in Colorado. She wanted the spot to feel Asian, so a Japanese maple was added among the stone. Neighbors walking their dogs frequently stop and talk to Messick about her new rockscaping. &quot;They tell me they love my rock garden,&quot; Messick says. &quot;When the rocks get wet from the rain, they&#39;re especially beautiful. Vibrant color veins pop out. Sure, I could have added just mulch, but this is so much more interesting. It feels natural and perfect.<br />
	<br />
	To make the tree-canopied spot a sitting garden, Messick plans to add another strong stone statement, a boulder bench. So far, she has chosen the decorative gravel. Jack Robinson says in recent years, interest has grown in xeriscaping, using plants and other materials that help reduce water use. &quot;They want less maintenance,&quot; Robinson says. &quot;Not all the mowing.&quot;<br />
	<br />
	Adding rock or gravel is one of the best ways to create a permeable landscape, says Jamie Durie, the Australian designer and host of HGTV&#39;s &quot;The Outdoor Room.&quot; &quot;It absorbs water and melted snow rather than them running off into the street,&quot; he says. With all the benefits, using decorative rock requires thoughtful planning and requires upkeep, says Kristopher Dabner.<br />
	For example, Dabner designed a series of pea-gravel backyard patios and pathways for a Lawrence home. First it needed a level of aggregate, then breathable landscape fabric as a weed barrier before a final layer of pea gravel.<br />
	<br />
	With any stonescaping project, Dabner says, you need to &quot;stay ahead of weeds.&quot;<br />
	&quot;Herbicide needs to be sprayed when the weeds are small. If you let them sprout for a few weeks, you&#39;ll have a huge mess on your hands.&quot; Because of the major weed patrol it would require, Dabner says people should not use decorative rock instead of mulch in most cases - especially around the perimeter of a house.<br />
	<br />
	But Dabner likes rock for a dramatic, modern statement - like creating a square, circular or triangular gravel patio instead of the usual concrete rectangle. And he likes stone as a solution for drainage. He helped Nancy Addy create a dry creek bed in her sloping yard that backs up to woods. Gravel was placed on the bottom, and prettier river rocks are on top, mimicking a winding stream.<br />
	<br />
	An avid gardener, Addy walked the path next to the ribbon of rocks, marveling at lush vegetation as well as snails, caterpillars and cocoons. &quot;One thing about rock is that it attracts tiny creatures: snakes, mice and voles,&quot; she says. &quot;They don&#39;t bother me, and I don&#39;t bother them. You also need to always be wearing the right shoes because rocks move beneath your feet.&quot; The stepping stones that weave through Addy&#39;s yard come from rocks excavated from their lot.<br />
	&quot;The rocks are beautiful and natural,&quot; she says. &quot;I love them.&quot;<br />
	<br />
	ROCK SHOPPING<br />
	Measure the length and width of the area. &quot;So many people have to come back because they didn&#39;t measure; they try to use their arms and hands as estimates,&quot; says Jack Robinson. Signs typically spell out how much footage a ton of rock covers - employees can help, too.<br />
	<br />
	Take pictures of the spots where you want rock. Plotting your house and yard on graph paper helps, too. &quot;Think of rock shopping like buying furniture,&quot; Robinson says. &quot;You want to make sure it fits size-wise and style-wise.&quot;<br />
	<br />
	Go for a natural, regional look. &quot;White rocks and red rocks are out of place here,&quot; says landscape designer Kristopher Dabner. &quot;The super-colorful rocks you&#39;d see in Arizona don&#39;t look at home in the Midwest.&quot;<br />
	<br />
	Remember other materials. For example, say you&#39;re going to edge a flower bed with salt-and-pepper- colored, goose-egg- shaped granite river cobbles. First, you&#39;ll need two parallel strips of metal edging to outline the bed. Between the strips, fill in with landscape gravel before placing the cobbles on top.<br />
	<br />
	Be mindful of environmental ethics. Jamie Durie of HGTV says rocks from Third World countries are a bad idea. &quot;You&#39;ll see inexpensive rock from India and Indonesia that&#39;s from their rivers. Fish need those rocks for silvering. People really depend on those rocks as part of their food chain.&quot; But, he says, manmade rock &quot;can look great.&quot;</span></p>
<p>
	<br />
	<span style="font-size: 10pt">BY Stacy Downs, McClatchy Newspapers</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Decorative-Rock-and-Gravel-are-Great-for-Landscaping</link><guid>http://www.ulstercountyhouses.com/Blog/Decorative-Rock-and-Gravel-are-Great-for-Landscaping</guid><pubDate>Thu, 01 Dec 2011 03:00:00 GMT</pubDate></item><item><title>Fireplace Safety Basics</title><description><![CDATA[<p>
	<br />
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Fireplace.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 300px; float: left; height: 333px; border-top: white 20px solid; border-right: white 20px solid" /></span></span><br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">In the winter, there&rsquo;s nothing as idyllic as sitting by a gently crackling fireplace with a cup of cider or hot cocoa, feeling the warmth from your toes to your soul. The essence of comfort and luxury, a fireplace is the focal point of a home. But, in order to ensure many more years of fireside moments&mdash;and to keep something beautiful from becoming potentially dangerous&mdash;some regular maintenance is required, as well as a keen eye toward safety.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">When most people think of fireplaces, they recall traditional ones, found in older and classic homes. In a traditional fireplace, the fire is encased in a metal firebox lined with special firebrick. Smoke moves up a flue, which is typically a tile or metal liner inside a masonry chimney. A flue damper keeps air from escaping when the fireplace isn&rsquo;t being used; and the smoke shelf, behind the damper, stops outside air from coming in and pushing harmful smoke into the living area.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Besides traditional fireplaces, though, there are plenty of other types. A heat-circulating fireplace produces some radiant heat, but mainly warms the air that circulates around the firebox; some have a fan that increases the air flow. A gas fireplace is mostly decorative and takes gas logs. By contrast, direct-vent fireplaces are like a wood-burning heat circulator&mdash;cool air enters at the bottom, is warmed, and rises out the vent at the top; the CO is expelled out the rear, so there is no need for a chimney. Finally, if you have a modern home or apartment, there&rsquo;s a good chance you&rsquo;ll have a modern wood stove&mdash;they&rsquo;re desirable because they&rsquo;re more efficient that a heat-circulating fireplace.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">No matter what type of fireplace you have, maintenance is key to safety. First, before the winter, it&rsquo;s essential to call in a professional to clean the chimney. Creosote can build up in the chimney and start fires. Typically, as soon as the creosote in the chimney is 1/8-inch thick, that&rsquo;s an automatic sign to call in a professional who will also check the firebox and masonry and fill in potentially dangerous cracks.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Another important safety note: Chimneys must be lined with metal, or the appropriate tile. Older homes (especially those built before 1950) are typically not. If you have just moved to your home, this is something that a certified home inspector should have found during an inspection; but, if you&rsquo;re not sure, call in a reputable, professional home inspector to assess the safety of the chimney. The inspector will give input on required repairs you need to have done.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Beyond professional maintenance, it&rsquo;s essential for the homeowner to take safety precautions too. Here are some of the most important:</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Never burn pine or soft wood; it generally causes extremely fast creosote buildup.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-If you have a wood stove, make sure ashes don&rsquo;t build up too much. One or two inches of ash is optimal; more than that, and you should remove some.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Never burn pressure-treated or painted wood; it can cause noxious fumes.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Never burn any kind of trash&mdash;paper, Christmas trees, anything at all&mdash;in a wood-burning fireplace. Only use logs made for wood-burning fireplaces.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Never burn charcoal in a wood-burning fireplace.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Even though it&rsquo;s tempting to have as big a fire as possible, never overload a fireplace or wood stove; it can cause restricted air flow and dangerously high levels of combustion.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Use logs specifically designated for your type of fireplace. If the label on the log&rsquo;s packaging doesn&rsquo;t detail this clear enough (which it should), ask a representative at the store you&rsquo;re buying it from.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-If you have a direct-vent fireplace, make sure that it&rsquo;s underwritten by Underwriters&rsquo; Laboratories (the &ldquo;UL&rdquo; symbol will be prominently listed on the packaging) or by the American Gas Association (AGA).</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Play it safe. If anything looks or smells out of the ordinary while you&rsquo;re operating your fireplace, call a professional for servicing.</span></span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Fireplace-Safety-Basics</link><guid>http://www.ulstercountyhouses.com/Blog/Fireplace-Safety-Basics</guid><pubDate>Tue, 29 Nov 2011 03:00:00 GMT</pubDate></item><item><title>Mower Mainenance</title><description><![CDATA[<p>
	&nbsp;</p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Lawn%20Mower%20Maintenance.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 350px; float: left; height: 280px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span><br />
	That first taste of fall means the beginning of a big run of good-byes: so long to summer vacation, good-bye grilling season and farewell to football-free weekends.<br />
	<br />
	But before you give a hasty send-off to the mowing season, be aware that there&#39;s a pretty decent checklist of prescribed fall lawn-mower maintenance tasks you might want to tackle.<br />
	<br />
	Sure, most people may equate lawn-mower maintenance with early spring, but experts say fall is a fine time to do upkeep on the old reliable walk-behind.<br />
	<br />
	<br />
	A bit of work now will save you quite a bit of time and money when it comes time to roll the mower back out of the garage next year.<br />
	<br />
	&quot;Maintenance makes equipment easier to start,&quot; said Roy Berendsohn, senior home editor at Popular Mechanics. &quot;That may or may not result in direct cost savings, but it certainly reduces the wear and tear on you. Few things are as frustrating as trying to start a cranky piece of outdoor power equipment. Nobody needs that frustration on a busy weekend.&quot;<br />
	<br />
	When it comes to maintaining machinery, clean is important.<br />
	<br />
	Before you even put the mower away for the season, one particular aspect of fall presents its own challenges for mowers: leaves.<br />
	<br />
	&quot;The best thing to do during fall use is to double-check your air filters,&quot; said Ryan Hays, manager at Rick&#39;s Lawnmower in Blue Springs, Mo. &quot;The air filters get dirtier faster when you mulch leaves. If they get stopped up, they have to suck air from somewhere, and then they&#39;ll suck unfiltered air, and you can damage the motor. &quot;Also, some manufacturers tell you to change the oil in the fall because the dirtier and dustier conditions from leaves can impact the oil faster.&quot;<br />
	Another key through-the-season task: Keep a sharp blade, particularly with the added strain of leaf mulching.<br />
	<br />
	&quot;You can use better than 20 percent more fuel with a dull blade,&quot; said Peter Sawchuk, program leader for home improvement with Consumer Reports. &quot;I always recommend people buy a second blade for the mower. It&#39;s usually under $10.&quot;<br />
	<br />
	Keeping the mower deck clean is also an important task - certainly before you stow away the mower for the year.<br />
	<br />
	&quot;Having clippings and debris build up on the underside cuts the air flow and dramatically impacts the effectiveness of the mower,&quot; Sawchuk said.<br />
	<br />
	At the end of the season, Sawchuk recommends turning the mower on its side with the carburetor facing up and cleaning the undercarriage with a hose. &quot;If you leave clippings under there at the end of the season, it can start to rust and corrode.&quot;<br />
	<br />
	Changing the oil is more of a judgment call. Most experts recommend changing the oil frequently during the mowing season - as often as every 25 hours of mowing time. As for prior to storage, though, mower maestros are split.<br />
	<br />
	&quot;That&#39;s a tough call,&quot; said Popular Mechanics&#39; Berendsohn. &quot;Some people recommend an oil change at the end of the season because it prevents dirty oil and sludge from sitting around in the engine&#39;s crankcase over the winter.&nbsp; &quot;I think it&#39;s better to change the oil in the spring before beginning the next mowing season. That ensures that the oil is as fresh and clean as possible at the beginning of the season.&quot;<br />
	<br />
	So far, so good. It&#39;s all pretty much the same advice passed down from dad, granddad, and, quite possibly, great-granddad.<br />
	<br />
	One topic your predecessors may not have worried about - but that you absolutely need to keep in mind - is alternative fuel. And failure to do so may lead to a significant headache and a significant repair bill.<br />
	<br />
	&quot;Ethanol is creating some problems in small engines,&quot; Sawchuk said.&nbsp; Explains Rick Muscoplat, contributing editor at the Family Handyman magazine: &quot;Oxygenated gas only has a 30-day shelf life. After that, the ethanol starts to separate.&quot;&nbsp; That ethanol falls to the bottom of the tank, he said. And ethanol will absorb any moisture present in the air into the gas tank.&nbsp; That water can work its way into the carburetor, leading to corrosion.&nbsp; &quot;If you leave that gas in all winter, your carburetor can be toast by next spring,&quot; Muscoplat said.&nbsp; And a carburetor repair job isn&#39;t cheap - anywhere from $70 and more for a walk-behind to $200 and up for a riding mower.<br />
	<br />
	One fix, thankfully, is cheap: a bottle of gas stabilizer, $7.&nbsp; Fuel stabilizer can accomplish several tasks, Berendsohn said: it increases the lifespan of stored gasoline, it helps it burn more cleanly and efficiently, and it can prevent the separation that leads to corrosion.<br />
	<br />
	Own a riding mower? A lot of the advice is the same, but the job ahead of you is a bit bigger.<br />
	Clean the deck, naturally, watch the oil, filters and gas. Maintain the air pressure in the tires. Wheel bearings may need lubrication.<br />
	<br />
	&quot;You&#39;ll also have to charge that battery over the storage season, or you have to buy a new one every other year,&quot; Sawchuk said.<br />
	<br />
	David Fittje, department manager of seasonal at the Lowe&#39;s in Kansas City, Mo., said that riding owners may want to make sure they check their belts on the rider. If it&#39;s a little worn, over the winter it can crack or break.<br />
	<br />
	&quot;Spending the 20 minutes prepping a mower for winter can save you a lot of hassle come spring.&quot;<br />
	<br />
	<br />
	FALL MOWER MAINTENANCE<br />
	John Deere provides these tips to ensure you&#39;re getting the best cut quality and longer life from your equipment.<br />
	<br />
	Tighten all nuts and bolts.<br />
	<br />
	Check all belts, filters, safety shields and guards.<br />
	<br />
	Replace any damaged or missing parts, including spark plugs.<br />
	<br />
	Check tire tread and pressure.<br />
	<br />
	Add a fuel stabilizer to the gas tank.<br />
	<br />
	After adding stabilizer, run the engine for five minutes.<br />
	<br />
	Change the oil (or in the spring).<br />
	<br />
	Replace the filter.<br />
	<br />
	Sharpen the blade, but be careful not to sharpen it to a razor&#39;s edge - it will crack, peel back and hack grass to shreds. Leave a thickness of about 1/64 of an inch to keep the blade strong.<br />
	<br />
	Balance the blade to prevent vibration. Put the center hole of the blade on a nail hammered into a garage stud. If one side goes down, file it until it becomes level.<br />
	<br />
	Do not store in an enclosed place where fuel fumes can accumulate or be exposed to an open flame, spark or pilot light.</span></p>
<p>
	&nbsp;</p>
<p>
	<span style="font-size: 12pt">By John Shultz, McClatchy Newspapers</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Mower-Mainenance</link><guid>http://www.ulstercountyhouses.com/Blog/Mower-Mainenance</guid><pubDate>Fri, 28 Oct 2011 03:00:00 GMT</pubDate></item><item><title>Three Mortgage Mistakes You Can Avoid</title><description><![CDATA[<p>
	<br />
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Loan%20Modification.jpg" style="width: 300px; float: left; height: 300px" />The mortgage market is in a state of tumult these days. Rates are bizarrely low, but many homes are worth much less than the mortgage balances they secure. People are still losing their homes left and right, but millions of mortgage applications of creditworthy borrowers are being rejected every year.<br />
	<br />
	Against this backdrop, it&#39;s really no wonder that would-be buyers and homeowners alike are in a state of confusion about which end is up in the mortgage marketplace.<br />
	<br />
	To shed some light into this darkness, here are three very common mortgage mistakes that you might be making as we speak -- and some strategies for avoiding or correcting them.<br />
	<br />
	1. Failing to try to refinance because you&#39;re upside-down. At last count, nearly 11 million Americans were upside-down on their homes -- meaning they owe more in mortgage(s) than the home is worth -- and that&#39;s about 23 percent of all American homes. With interest rates having dropped to historic low after historic low, more than 10 million Americans have refinanced their mortgages since 2009.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">But most homeowners with negative equity feel like they are trapped in their 6, 7 or even 8 percent interest mortgages, unable to save the hundreds of dollars every month of a mortgage at today&#39;s sub-4 percent rates, because no lender will refinance them.<br />
	<br />
	The fact is, multiple options abound for lowering your interest rate and monthly payment if you&#39;re upside down on your home loan. Banks are increasingly amenable to simply modify existing mortgages to render them less prone to default and foreclosure -- especially when the homeowner is trying to recover from a financial hardship like interrupted income due to job loss or illness, and especially with upside-down loans (which are particularly liable to strategic default, without modification).<br />
	<br />
	Also, many banks offer refis on mortgages as much as 25 percent underwater (so long as no payments have been missed) through the Obama administration&#39;s Home Affordable Refinance Program and the less widely adopted Federal Housing Administration Short Refinance Program.<br />
	<br />
	Contact your own mortgage bank&#39;s loss mitigation division about a loan modification or a refi under HARP, or reach out to any mortgage broker that offers FHA loans to apply for the Short Refi Program.<br />
	<br />
	<br />
	2. Walking into the bank branch to get a mortgage. Not to jump on the anti-bank bandwagon, but unless your bank happens to be a neighborhood credit union or one of the few large banks that ranks highly in customer satisfaction (e.g., USAA), you&#39;ll likely not be satisfied with the speed, customer service or assertiveness of a mortgage banker you meet just walking into the branch.<br />
	If you work with a mortgage broker or a private mortgage banker you meet by referrals from your circle of friends and relatives, chances are good you&#39;ll get someone who understands that the long-term health of their business depends on you and clients like you getting a deal closed in a timely manner.<br />
	<br />
	Specifically, you should request referrals from folks you know who have bought or refinanced homes relatively recently, as the mortgage pros who are still in business and closing deals successfully these days are necessarily skilled at navigating a very tricky and restrictive mortgage market.<br />
	<br />
	Also, if you work with a mortgage broker whose company also has its own bank, you get the best of both worlds: a professional who will shop lots of banks&#39; offerings to find the best options for you, and someone who can coordinate your transaction via a small pool of local, experienced appraisers. Many large banks select appraisers who don&#39;t know the area, which can kill your deal in the long run.<br />
	<br />
	3. Thinking you&#39;re stuck with it for 30 years. I&#39;ve heard people say they didn&#39;t want to buy a home because they were depressed by the thought of a debt that would last 30 years. I&#39;ve heard others regret that they couldn&#39;t afford the payment on a 15-year mortgage and instead were stuck with a 30-year loan.<br />
	<br />
	The fact is, you control when you pay your mortgage off, and it doesn&#39;t take a lottery or inheritance windfall to pay yours off sooner than later.<br />
	<br />
	Some people pay half their mortgage payment every two weeks, which results in a full extra payment every year and can pay your mortgage off as much as five years early. Others just pay an extra $100 or so as often as they can, and ask their loan servicer to apply the overage to principal.<br />
	<br />
	Some do much more, applying paycheck raises over the years or amounts they once paid to extinguish credit card debt toward their mortgage balances in an effort to pay them off early.<br />
	The theme is that, as a borrower, you may have much more power than you thought, from exploring little-known options for getting your upside-down mortgage&#39;s payment lowered to being aggressive about paying your home off sooner rather than later. So get clear on your personal goals for your mortgage, get educated about your options and get assertive about making them happen -- now.</span></span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Three-Mortgage-Mistakes-You-Can-Avoid</link><guid>http://www.ulstercountyhouses.com/Blog/Three-Mortgage-Mistakes-You-Can-Avoid</guid><pubDate>Wed, 26 Oct 2011 03:00:00 GMT</pubDate></item><item><title>Kingston Night Life</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Uptown at Night.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; margin-top: 20px; width: 377px; margin-bottom: 20px; float: left; height: 261px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span></p>
<p>
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">FROM its menu of pre-Prohibition-era tipples concocted with house-made syrups to its setting in a painstakingly restored 1880s sewing machine factory, the year-and-a-half-old Stockade Tavern is the epitome of cocktail chic. But you won&rsquo;t find it in downtown Manhattan or across the river in Brooklyn; instead, head about two hours north to <a href="http://ci.kingston.ny.us/">Kingston</a>, a modest-size city in the Hudson Valley of New York.<br />
	<br />
	<br />
	<br />
	Although home to some of the state&rsquo;s most beautiful and historic architecture, Kingston has been a mostly sleepy spot since I.B.M. closed its plant there in the mid-1990s. But that&rsquo;s changing, thanks to a fresh crop of bars and restaurants inspired by the city&rsquo;s old-time charms, as well as its growing population of young artists and its farm-rich location.<br />
	<br />
	&ldquo;We just felt like country people could use a decent drink, too,&rdquo; said Giovanna Vis, who owns <a href="http://www.stockadetavern.com">Stockade Tavern </a>(313 Fair Street; 845-514-2649);&nbsp;with her husband, Paul Maloney, and their business partner, Don Johnson. The bar is named for the Stockade District, also called uptown, which dates back to the mid-17th century.<br />
	<br />
	Another recent addition is <a href="http://www.boitsons.com">Boitson&rsquo;s</a> (47 North Front Street; 845-339-2333), a stylish American bistro with leather banquettes and marble-topped tables, which opened uptown in June 2010. Maria Philippis, the owner, named it for its benefactor, her former Brooklyn landlord, who died in 2007 and left Ms. Philippis money to pursue her dream of opening a restaurant.<br />
	<br />
	&ldquo;Mr. Boitson was a sailor in World War II, and I wanted the restaurant to look like the kind of place he would have hung out in,&rdquo; she said. It offers comfort foods like fried chicken and steak frites, and has an all-New York State beer list and a wide selection of American wines.<br />
	A 1927 diner in midtown is home to the recently revamped <a href="http://www.facebook.com/eatkingston">Old Trolley Kitchen </a>(336 East Chester Street; 845-340-0797). Sylvan Perez, the chef and an owner, with Joy Roman, sees a connection between the building and his culinary mission. &ldquo;We really respect the idea of local food,&rdquo; he said. &ldquo;When the diner first opened, the food would have tended toward the seasonal and fresh because there wasn&rsquo;t any other choice back then.&rdquo; (Dinner is served only a few nights a week, so it&rsquo;s best to call ahead.)<br />
	<br />
	Then there&rsquo;s <a href="http://www.elephantwinebar.com">Elephant</a> (310 Wall Street; 845-339-9310), a wine and tapas bar around the corner from the Stockade in Kingston&rsquo;s uptown, and a pioneer of sorts: it opened five years ago in the former recording studio of the cult-indie band Mercury Rev. When the space became available, the landlords, Joe Concra and Denise Orzo, a couple (both are artists), called their friend Rich Reeve, a chef. At the time, it seemed like &ldquo;the middle of nowhere,&rdquo; recalled Mr. Reeve, who now runs the business with his wife, Maya Karrol. But the rent was low, so they took a risk. &ldquo;We just decided we would do what we wanted, and play punk rock and serve beef-heart tacos and pig tails,&rdquo; Ms. Karrol said.<br />
	<br />
	The restaurant is kept in offal by <a href="http://www.fleishers.com">Fleisher&rsquo;s</a> Grass-Fed and Organic Meats (307 Wall Street; 845-338-6666), the locavore butcher across the street, which opened a second shop in Brooklyn last month and plans to open a burger place in Kingston called Grass next spring.<br />
	On a Saturday night last spring, Jesse Van Note, a local musician, was enjoying a drink at Elephant after a local band had finished its set. &ldquo;We&rsquo;re in a tapas bar where you can hear surf rock,&rdquo; he said. &ldquo;Where else are you going to find that?&rdquo;</span></span><br />
	&nbsp;</p>
<p>
	<br />
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Kingston-Night-Life</link><guid>http://www.ulstercountyhouses.com/Blog/Kingston-Night-Life</guid><pubDate>Wed, 26 Oct 2011 03:00:00 GMT</pubDate></item><item><title>Fall is the time to plant spring flowering bulbs</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Bulbs.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 232px; float: left; height: 176px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span><br />
	<span style="font-family: arial, helvetica, sans-serif">When fall is in the air, it&#39;s time to put spring in the ground. Autumn is the time for planting the bulbs that will burst into bloom come spring. Sure, it&#39;s delayed gratification, but the cheery appearance of crocuses and daffodils at the end of a bleak winter will be worth the wait.<br />
	<br />
	And here&#39;s the best part: Planting spring bulbs doesn&#39;t take a lot of effort. You dig a hole, you drop in the bulb, and you cover it with soil.<br />
	<br />
	<br />
	That&#39;s the message Dutch bulb growers are trying to get out with their new campaign, Dig.Drop.Done.<br />
	<br />
	&quot;They&#39;re so easy to plant. They come with everything they need for the first growing season,&quot; said Amy Dube, a flower bulb expert with the Dig.Drop.Done Foundation, an educational effort being backed by members of Holland&#39;s Royal Trade Association for Nursery Stock and Flower Bulbs. &quot;You really can&#39;t go wrong.&quot;<br />
	<br />
	Flower bulbs contain all the nutrients the plant will need to grow and bloom the first year, so there&#39;s no need to fertilize newly planted bulbs, Dube said. And because rain is usually plentiful in fall, you probably won&#39;t even need to water, other than giving the bulbs a good drink when you first plant them.<br />
	<br />
	Bulb experts usually recommend planting bulbs when nighttime temperatures drop into the low 50s or 40s for two weeks. There&#39;s no real need to monitor the weather, though. When it&#39;s sweater weather, it&#39;s time to plant, said Sally Ferguson, director of the Netherlands Flower Bulb Information Center.<br />
	<br />
	&nbsp;Ideally you want to plant once the soil cools but before the first hard frost, although you can even plant in December as long as you can still dig, she said.<br />
	<br />
	Even if you&#39;re not ready to plant, McCulloh recommended buying bulbs as early as you can. If you wait too long, your favorites might be gone, she said. Look for bulbs that are firm, and keep them in a cool, dark place until you put them in the ground.<br />
	<br />
	Don&#39;t fret if the papery skin is broken or missing, Ferguson said. It won&#39;t affect the bulb&#39;s survival.<br />
	<br />
	Choose a planting spot where the soil drains well, since bulbs might rot in conditions that are too wet. Spring-flowering bulbs like sun, but you can plant under trees or shrubs that will still be bare of leaves when the flowers bloom, Dube said.<br />
	<br />
	Some people like to scatter early bloomers such as crocuses on a lawn and just plant them where they drop, knowing they&#39;ll bloom well before the grass needs cutting.<br />
	<br />
	The rule of thumb is the planting hole should be about three times the length of the bulb, but it&#39;s best to follow the instructions on the packaging, Dube said. You can dig individual holes for each bulb, or dig a wider hole or trench that can hold a number of bulbs.<br />
	<br />
	The bulb should be planted pointy side up, but that&#39;s not crucial. The emerging shoot will find its way up and out of the soil, even if you plant the bulb upside down, Dube said.<br />
	<br />
	Mulch is a good idea, but Ferguson recommended waiting until the ground gets cold before adding it. Otherwise, &quot;you&#39;re just creating a warm bed for little voles and mice,&quot; which might snack on your bulbs, she said.<br />
	<br />
	McCulloh thinks bulbs look best planted in drifts or masses rather than in lines. Plant at least 25, if you have the room, she said.<br />
	<br />
	Ferguson likes to plant in a diamond shape, with the point toward the viewing area. That gives an illusion of abundance, she said.<br />
	<br />
	But stay away from patterns that are too strictly geometric, McCulloh cautioned. &quot;Guaranteed one won&#39;t come up, and it&#39;ll ruin the whole design,&quot; she said.<br />
	<br />
	Consider planting with perennials that share similar growing requirements and will leaf out as the bulbs&#39; foliage dies back, McCulloh and Dube suggested. The perennials will hide the fading leaves, which need to be left in place until they&#39;ve yellowed. That allows the plants to use the sun&#39;s energy to recharge the bulbs with nutrients for the next year.<br />
	<br />
	Some bulbs, such as daffodils and crocuses, can be counted on to reappear and spread year after year. Others, including most kinds of tulips, are better treated as annuals, since they get smaller with each reappearance.<br />
	<br />
	Which bulbs should you plant?<br />
	Whatever flowers and colors you like, the experts say.<br />
	<br />
	McCulloh, for instance, is partial to glory-of-the-show, a charming flower the blooms early and comes in pink, white and a vibrant blue she loves. Dube plan to combine pink and orange this year, but she also likes the striking combination of white and black - well, really a very dark purple.<br />
	<br />
	It just depends on what says renewal to you.<br />
	Think joy. Think freshness. Think spring.<br />
	<br />
	<br />
	HOW TO PROTECT SPRING BULBS FROM ANIMALS<br />
	Keeping critters from digging up your bulbs or munching on your spring flowers can be a challenge. Here are some strategies for discouraging squirrels, deer and other marauders:<br />
	<br />
	-Plant flowers the animals don&#39;t like. A few suggestions are daffodils, fritillaries, alliums, scilla, chionodoxa, leucojum and galanthus.<br />
	<br />
	-Wear gloves when you plant. Squirrels have come to associate the scent of humans with food.<br />
	<br />
	-Clean up planting debris, such as the bulbs&#39; papery skin. The scent of that debris can attract squirrels.<br />
	<br />
	-Lay an old screen, some chicken wire or some other kind of mesh over the places where you&#39;ve planted to make it hard for animals to dig there. Remove it once the ground has settled or frozen. You can even lay a sheet of chicken wire right on top of the bulbs in the ground, before you cover them with soil. The shoots will grow through the wire.<br />
	<br />
	-Deer love tulips. If you must grow them, plant them close to the house, where deer are less likely to feed. However, know that some deer won&#39;t be easily deterred.</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Fall-is-the-time-to-plant-spring-flowering-bulbs</link><guid>http://www.ulstercountyhouses.com/Blog/Fall-is-the-time-to-plant-spring-flowering-bulbs</guid><pubDate>Mon, 26 Sep 2011 03:00:00 GMT</pubDate></item><item><title>For a Few Weeks, Horse Shows Alter a River Town</title><description><![CDATA[<p>
	<span style="font-family: comic sans ms, cursive"><span style="font-size: 12pt"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Saugerties%20HITS.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; margin-top: 20px; width: 200px; margin-bottom: 20px; float: left; height: 325px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></span></p>
<p>
	<br />
	<br />
	<br />
	<span style="font-size: 12pt">Every year, the elite competitive equestrian circuit makes its way around the country, from Ocala, Fla., to Culpeper, Va., to Thermal, Calif. These traveling troupes of privilege and skill also take with them small armies &mdash; of trainers, grooms, farriers, veterinarians, even equine acupuncturists and masseuses.<br />
	<br />
	And for the last eight years, this band of competitors and assorted adjuncts have added a somewhat surprising destination to their junket: Saugerties, N.Y., a blue-collar town on the Hudson River about 110 miles north of New York City.<br />
	<br />
	<br />
	Eight years ago, HITS Incorporated, a company that produces equestrian competitions, built a $15 million showground here; the riders came. More than 3,000 horses and 2,200 competitive equestrians and their entourages descend on this village every summer. And the influx of a moneyed demographic and their free-flowing cash has played a part in transforming the town.<br />
	<br />
	&ldquo;I feel like Saugerties has won the lottery,&rdquo; says Daisy Bolle who owns Dig, a high-end clothing shop on Partition Street in the village, which has 3,971 residents, according to the 2010 United States Census.<br />
	<br />
	&ldquo;When we first came to town, there were a lot of empty stores,&rdquo; she says. &ldquo;And now it feels really vibrant. It&rsquo;s like having the Hamptons in your backyard.&rdquo;<br />
	<br />
	The Saugerties stage of the circuit has about 300 competitive heats, or classes, at various levels for riders to compete or show in per week, and it runs in three three-week bursts, beginning May 25 and ending Sunday. Olympians like Peter Leone, Nona Garson and Anne Kursinski, as well as top amateurs like Georgina Bloomberg, the daughter of New York City&rsquo;s mayor, Michael R. Bloomberg, have been regular competitors. Thomas G. Struzzieri, 52, the president and chief executive of HITS, has lived in Saugerties for 13 years and brought the state-of-the-art show grounds here, with its 12 giant barns equipped to hold 1,200 horses on 240 acres, five minutes from town.<br />
	<br />
	&ldquo;It had a charm I thought my customers might like,&rdquo; he said of the town. Not to mention that it was also personally convenient.&nbsp;&ldquo;When you run horse shows around the country, it&rsquo;s nice to sleep in your own bed once in a while,&rdquo; he said.<br />
	<br />
	But unlike places like Culpeper, Saugerties is not traditionally horse country.<br />
	<br />
	&ldquo;It&rsquo;s a blue-collar community for sure,&rdquo; Struzzieri said, &ldquo;but they&rsquo;ve been really accepting of the horse clients, and they look at it as a great resource.&rdquo;<br />
	<br />
	But figuring out just how to roll out the welcome mat for the horse set has taken some trial and error.<br />
	<br />
	At Inquiring Minds Bookstore and Cafe, Cheryl Rice, the store&rsquo;s manager, set up a prominent display of books and manuals on all things equine in May. As of August, few had sold. &ldquo;Maybe they didn&rsquo;t have such a need for horse knowledge in book form,&rdquo; she said, &ldquo;because they&rsquo;re already in the business.&rdquo; Next year she may try horse novels.<br />
	<br />
	At Dig, Bolle filled the shelves with horse-themed jewelry and equestrian print clothes her first year open. None sold, she says. &ldquo;I think they don&rsquo;t need the horsey stuff because they have horses,&rdquo; she said. &ldquo;What&rsquo;s better than that?&rdquo;<br />
	<br />
	What did work was extending her store hours late into the night, a move followed by many other businesses, after realizing the riders&rsquo; competition schedules left little room for daytime shopping. On a particularly bustling Saturday night, she says, she has made up to an additional $10,000 from 6 to 11 p.m. &ldquo;You have to make hay while the sun shines,&rdquo; she said with a laugh.<br />
	<br />
	The gingerbread ponies with white manes of royal icing flew off the shelves at Hudson Valley Dessert Company on Main Street at twice the rate of cookies shaped like the rest of the barnyard, Constance Bailey, the owner, said. Bailey goes through 150 of the $1 cookies on a horse show weekend, &ldquo;which doesn&rsquo;t exactly make us rich, but it makes us friends,&rdquo; she said.<br />
	The influx of athletes, many with citified low-fat and low-carbohydrate tastes, has led her to change her menu. Bailey serves a salad with lime juice instead of dressing and whips up a cream-free soup specifically for when the riders are in town. On show weeks, she orders 300 extra pounds of flour, 45 dozen more eggs and 10 gallons of extra syrup from Breezy Maples Farms.</span></p>
<p>
	<span style="font-size: 12pt">The riders&rsquo; presence accounts for $3,000 in extra business a week, Bailey says.<br />
	Down the street at Flanigans Cleaners, decals on the window spell out We Groom the Rider, a slogan the owner, Michael Flanigan, adopted after he realized that he too had a corner to grab in the riding market: the equestrian uniform, a dark jacket with a cotton blouse with a collar called a rat catcher, needs to be always sparkling. He dry cleans more than 2,000 of the shirts alone, at $4.50 apiece, every summer.<br />
	<br />
	It would be difficult to find a business owner in town who does not sing the praises of the summer horse invasion, Flanigan said, but he acknowledged that conflicts had arisen.<br />
	<br />
	Hulking pickup trucks hauling horse trailers caused knots of traffic in the early years and sparked local complaints until places like the hardware store took it upon themselves to hand out maps to the newcomers.<br />
	<br />
	There are also less tangible tensions. The median per capita income in Saugerties is a little more than $20,000, and equestrian competitions are famously the sport of kings.<br />
	<br />
	On a personal level, there can arise the same types of resentments that crop up between working-class residents of the Hamptons and the deep-pocketed set that goes there to play.<br />
	In October, Struzzieri plans to open Diamond Mills Hotel and Tavern, a boutique hotel and conference center overlooking the Esopus Creek waterfall, which cost $12 million to $14 million to build and will charge guests up to $400 a night.<br />
	<br />
	&ldquo;Do I believe that the horse show changed the town? I think it&rsquo;s worked well in this town,&rdquo; he said, pointing to economic blows the area has weathered like the shutting in 1994 of the I.B.M. plant in nearby Kingston, N.Y., which employed around 1,500 people. &ldquo;I think the horse show has been a part of this community finding its way.&rdquo;<br />
	<br />
	On a Saturday night this summer, clumps of women and girls in pastel polo shirts, tall polished black boots and tan britches with suede patches jammed Stella&rsquo;s Station, an ice cream parlor on Partition Street. On the opposite side of the counter, a team of young female employees scooped frozen treats, sweating. In the parking lot of the fully-booked Comfort Inn on Route 32 North, off-duty grooms smoked and traded horse stories in Spanish.<br />
	<br />
	Around 10 p.m. two customers lingered at Emiliani Ristorante on Ulster Avenue, huddled close over a plate of linguine, discussing the merits of a chestnut-colored mare. &ldquo;People will say, Ugh, the restaurants are so crowded when they&rsquo;re here,&rdquo; said Bolle, the owner of Dig. &ldquo;But I say, Yes, but we get to have that restaurant all year round. And if they weren&rsquo;t here, I don&rsquo;t know if we would or not.&rdquo;</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/For-a-Few-Weeks-Horse-Shows-Alter-a-River-Town</link><guid>http://www.ulstercountyhouses.com/Blog/For-a-Few-Weeks-Horse-Shows-Alter-a-River-Town</guid><pubDate>Mon, 26 Sep 2011 03:00:00 GMT</pubDate></item><item><title>Williamsburg on the Hudson</title><description><![CDATA[<div id="lipsum" style="position: relative; line-height: 14pt; font-size: 10pt">
	<img alt="google map to real pro systems" src="http://www.ulstercountyhouses.com/agent_files/Hudson%20Valley%20Drawing.jpg" style="position: relative; margin-top: 5px; width: 190px; margin-bottom: 5px; float: left; height: 377px; margin-right: 10px" />
	<p>
		<span style="font-size: 12pt">Call it the Brooklynization of the Hudson Valley, the steady hipness creep with its locavore cuisine, its Williamsburgian bars, its Gyrotonic exercise, feng shui consultants and deep clay art therapy and, most of all, its recent arrivals from New York City.<br />
		<br />
		Jenifer Constantine and Trippy Thompson, bartenders in Williamsburg, found the adventurous loft life there a bit too precarious after the birth of their first child in 2007, and moved to New Paltz to open their own minimalist, Brooklynesque bar and restaurant in Rosendale, Market Market, with a locavore menu and weekly spoken-word slams.<br />
		<br />
		Dave Lerner, a musician, found the Brooklyn life getting claustrophobic and moved to West Saugerties, a placed that seemed different but part of a familiar universe, where there was music and culture but you could bike, hike and breathe.<br />
		John Friedman, a lawyer who lived in Greenwich Village, fell in love with Hudson and went from making mostly telecom deals in Manhattan to making mostly agriculture deals in the Hudson Valley.<br />
		<br />
		Kate Doris left her hometown of Kingston as it skidded downward after I.B.M. left in the &rsquo;90s. Now she&rsquo;s back, plugged into the local art scene, amused at the number of her Brooklyn friends who have also moved up.<br />
		<br />
		The greening of the Hudson Valley did not begin yesterday. It&rsquo;s as revealing for what it&rsquo;s not as for what it is. And given the comatose national economy, many grains of salt should be added to any rosy projections.<br />
		<br />
		Still, in the best case, it adds up to more than refugees from the city, fair-trade coffeehouses in every far-flung town and unexpectedly cool places and culture &mdash; the Phoenicia Festival of the Voice, the Last Bite in High Falls, the Wassaic Project arts organization in a refurbished mill and animal auction house.<br />
		<br />
		Instead, you could argue, it&rsquo;s a new chapter in an old story &mdash; Henry Hudson&rsquo;s voyage of discovery, the Hudson Valley School&rsquo;s attempt to capture an American Eden, updated for the Twitter era and based around sustainable, human-scale agriculture; manageable towns that are neither giant cities nor cookie-cutter suburbs; a $4.7 billion tourism industry; and the mountains, valleys and rivers of one of America&rsquo;s unspoiled places.<br />
		<br />
		&ldquo;We&rsquo;re in the early stages of a green economic revitalization of the Hudson Valley,&rdquo; said Ned Sullivan, president of Scenic Hudson, which half a century ago was at the heart of a battle to save Storm King Mountain, spurring on modern environmentalism.<br />
		<br />
		&ldquo;The land is being preserved,&rdquo; he said. &ldquo;Waterfront parks are being created. Water supplies are being protected. There&rsquo;s a green economy that&rsquo;s being born.&rdquo;<br />
		<br />
		IN the beginning was the river, which the Indians called Muhheakantuck &mdash; &ldquo;river that flows two ways&rdquo; &mdash; because for about half its 315 miles it is also a tidal estuary, where salty water meets fresh.<br />
		<br />
		Life on the shore has flowed two ways, too, through culture and commerce. For almost a century, beginning around 1825, the Hudson Valley was the nation&rsquo;s first industrial heartland, an incessant bustle of shipbuilding, ironworks, railroad lines, shipping docks, cement, stone, iron, lumber, weaponry and even whaling industries.<br />
		<br />
		The valley was also a seminal creator of American culture, from Washington Irving, who became America&rsquo;s first international literary celebrity, to the Hudson Valley School and later to artist colonies and the Woodstock Festival. The factories are almost all gone. The cultural buzz remains.<br />
		<br />
		You can pick your favorite current image of industrial past and creative present. The stunning Dia: Beacon collection of massive modernism in an old factory on the Hudson? The exhilarating Walkway Over the Hudson that turned an abandoned railroad bridge into the world&rsquo;s longest pedestrian bridge? The industrial spaces turned into artists&rsquo; studios in uptown Kingston?<br />
		<br />
		But the Basilica Hudson seems as good a snapshot as any. Built in 1884 as a foundry and forge for manufacturing steel railway wheels, it finally shut down as a glue factory using rabbit hide in the &rsquo;90s. Almost a decade ago, its 18,000 square feet were reimagined as a local gathering and performance space for ska concerts, avant-garde movies, art exhibits, filming and recording.<br />
		Like almost everything in the Hudson Valley, it&rsquo;s still a work in progress. But its owners, Melissa Auf der Maur, a seriously glamorous Montreal native who has played bass for bands like Smashing Pumpkins and Hole, and Tony Stone, a filmmaker, come from central casting as exemplars of the new, hip Hudson Valley.<br />
		<br />
		The Basilica is the kind of space and scene that the artist and musician Patti Smith (no stranger to Hudson) had in mind a few months ago when she advised young artists that &ldquo;New York has closed itself off to the young and the struggling&rdquo; and that they should find their futures someplace else, like Poughkeepsie.<br />
		<br />
		&ldquo;A bunch of my friends from Montreal came to visit and they said, &lsquo;You told us you moved to a small town, but you didn&rsquo;t tell us you moved to a magic David Lynch town. What is this place?&rsquo; &rdquo; Ms. Auf der Maur said.<br />
		<br />
		Hudson, she added, has the feel of SoHo decades ago. &ldquo;There&rsquo;s the sense that it&rsquo;s manageable, it&rsquo;s beautiful, it has infrastructure that can inspire you and facilitate your needs and get you to feel like you&rsquo;re part of a moment of discovery.&rdquo;<br />
		<br />
		Not long ago, Hudson was notorious for drugs, prostitution and post-industrial torpor. Now, Warren Street, with its antique stores, galleries and hip restaurants, is a vision of the Hudson Valley reborn. And it was the scene of perhaps the last great battle between the old industrial Hudson Valley and the new one, when a coalition of interest groups came together to defeat a proposed coal-fired cement plant with a 40-story smokestack capable of producing two million tons of cement a year. Opponents said it would be an environmental disaster that would cut off access to the river and go against everything Hudson was becoming. They made an overwhelming case. But in the housing projects and poor neighborhoods just off Warren Street, strangers in the new landscape, it doesn&rsquo;t seem so clear.<br />
		<br />
		Sitting in a downtown park, Calvin Wilson Sr., 63, said it was nice to see the revival on Warren Street, but it didn&rsquo;t offer much for him or for young people growing up in a town whose population is almost a third black and Latino, and in which one in five residents is living below the poverty level. &ldquo;All those old factory jobs, they&rsquo;ve all dried up,&rdquo; Mr. Wilson said. &ldquo;So, where those people going to work? Me, I wished they&rsquo;d built that cement plant.&rdquo;<br />
		<br />
		THERE is a parlor game people sometimes play, comparing Hudson Valley towns with New York neighborhoods, said Sari Botton, a freelance writer in Rosendale.<br />
		<br />
		For instance, Rhinebeck might be the Upper East Side, Woodstock the West Village, New Paltz the Upper West Side, Beacon the East Village, Rosendale and High Falls different parts of Williamsburg. Tivoli could be compared to Greenpoint, Hudson to Chelsea, Catskill to Bushwick, Kingston to a mix of Fort Greene and Carroll Gardens.<br />
		<br />
		The migration north began with the weekender incursions in the &rsquo;80s and &rsquo;90s, gained a more urgent and permanent tone after 9/11, stumbled during the real estate bust and is now finding its way again. But, for all the images of upstate decay, the population of the Hudson Valley is growing more than twice as fast as that of the rest of the state &mdash; 5.8 percent over the past decade, compared with 2.1 percent for New York State and New York City. (While there are no universally accepted boundaries to the Hudson Valley, this reference includes the counties north of suburban Rockland and Westchester and south of the capital region: Putnam, Orange, Dutchess, Ulster, Columbia and Greene.)<br />
		<br />
		Add in disparate institutions with some shared sensibilities &mdash; Bard, Vassar and SUNY New Paltz; the Culinary Institute of America and the sustainable agriculture Glynwood Institute; the New Age Omega Institute, Dia:Beacon, the Storm King Art Center, the green, hip and upscale Chronogram Magazine &mdash; you can posit a synergy that is gaining critical mass.<br />
		<br />
		Some of the growth is an extension of suburban New York into Putnam and Orange Counties. The rest is an exurban phenomenon facilitated at least in part by new technology, the limitations of space and cost in the five boroughs and the natural search for something new.<br />
		<br />
		For some it&rsquo;s generational. The Hudson Valley seems a cooler and more affordable alternative to the suburbs. David Clark moved to Beacon seeking space for his ceramic tile business, ModCraft, in a place that felt familiar and creative. At 43, he also felt he had outgrown Williamsburg. &ldquo;At some point you look around and find yourself surrounded by club kids and feel, well, maybe I&rsquo;ve done this already,&rdquo; he said.<br />
		<br />
		For others, the Hudson Valley just seemed a natural fit. Amber Rubarth, 28, an up-and-coming singer-songwriter who used to carve wood sculptures with chainsaws, figured she could make music and live a creative life just as easily in Rosendale as in Brooklyn, and more sanely. &ldquo;I go into the city once or twice a week,&rdquo; she said, &ldquo;but there&rsquo;s nothing I can&rsquo;t do living here, and it&rsquo;s nice to fall asleep and wake up to birds singing rather than trash trucks rolling down the street.&rdquo;<br />
		Still, as with everywhere else in America, the question remains: All right, but where are the jobs? Mr. Sullivan of Scenic Hudson said one answer could be the abandoned I.B.M. complex now called Tech City in Kingston. Its 258 acres, 28 buildings and 2.5 million square feet of industrial and office space are envisioned as a state-of-the-art locale for solar, green energy and sustainable agricultural businesses, like bakeries and fish hatcheries. Across the street is the ambitious nonprofit Solar Energy Consortium, formed in 2007 to assist and incubate solar and green companies. It&rsquo;s an alluring vision.<br />
		<br />
		Whether it becomes reality is another matter. Todd Roberts, chief executive of one of the firms there already, Solartech Renewables, is enthusiastic about the site and the industrial solar panels his company makes, but realistic about the obstacles ahead.<br />
		<br />
		&ldquo;We know it&rsquo;s going to take root somewhere, but if the market doesn&rsquo;t grow here, and the subsidies don&rsquo;t change in China, that&rsquo;s where it&rsquo;s going to be,&rdquo; he said.<br />
		<br />
		If you were an investor wagering on any Hudson Valley city, it might be Beacon, with a world-class attraction in Dia:Beacon, its walkable downtown, and an emerging art scene a 90-minute train ride from Grand Central Terminal.<br />
		<br />
		But you would still be hoping for the best, as you would with almost every place in the area. Maybe the Roundhouse at Beacon Falls, a proposed 58-room hotel and spa, with a fancy restaurant and living and work space for artists, will succeed, and revitalize an area of shuttered factories and warehouses. Maybe the historic downtown theater will reopen, and the old incline railroad will be rebuilt. But maybe not.<br />
		<br />
		On a summer Tuesday afternoon, it&rsquo;s still a ghost town.<br />
		<br />
		Tim Davis, 48, in Chicago Bulls cap and colors, has lived in Beacon almost all his life, but he is moving to Atlanta. &ldquo;There&rsquo;s no work here,&rdquo; he said. &ldquo;Basically they&rsquo;ve turned this place into Antiqueworld. When we had the factories, this was a money-making town. Now it&rsquo;s not. Everyone I know is moving to the South.&rdquo;<br />
		<br />
		At the Morphicism gallery, the proprietor, Jay Palefsky, offered a cheerful greeting: &ldquo;A customer! In Beacon!&rdquo;<br />
		<br />
		So many people have moved to Beacon from Brooklyn that people now call it NoBro, he said. He would like to buy into the hype, but he doesn&rsquo;t see it. The economy is dead. The Internet has killed downtown commerce. He has seen well over a dozen businesses come and go in the five years he has been in business. &ldquo;People want the access to the city without the craziness of the city,&rdquo; Mr. Palefsky said. &ldquo;But this just needs a lot of variables to make it work. One is the economy, and I don&rsquo;t think that&rsquo;s going to happen. Sorry to be so negative. I just don&rsquo;t grasp the optimism.&rdquo;<br />
		<br />
		But optimism is one thing you find in the Hudson Valley, to an extent not seen elsewhere. It is true that, even here, it takes more than art, farm stands and caffeine to make an economy work &mdash; especially for those who don&rsquo;t make a living with a laptop or a paintbrush. But in a culture sometimes whipsawed between a desire to be in the middle of the storm and to be a million miles away, the Hudson Valley offers the promise of both, the upstate hills and quirky towns just 90 minutes from Manhattan, said Bradley Thomason, who moved his small technology and organizational development consultancy, Miraclelabb, from Manhattan to the mighty metropolis of Accord last year.<br />
		<br />
		&ldquo;This isn&rsquo;t like the tech revolution,&rdquo; he said. &ldquo;I&rsquo;d be worried if there were some big kaboom Hudson Valley moment. But I think what you&rsquo;re seeing is a slow progression toward something that can sustain itself.&rdquo;</span><br />
		<br />
		&nbsp;</p>
	<p>
		<span style="font-size: 12pt">By Peter Applebome, The New York Times</span></p>
</div>
<p>
	&nbsp;</p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Williamsburg-on-the-Hudson</link><guid>http://www.ulstercountyhouses.com/Blog/Williamsburg-on-the-Hudson</guid><pubDate>Fri, 26 Aug 2011 03:00:00 GMT</pubDate></item><item><title>Secrets to getting a mortgage with so-so credit</title><description><![CDATA[<p>
	<span style="font-family: arial, helvetica, sans-serif"><span style="font-size: 12pt"><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Home%20Loan%20Approval.gif" style="width: 247px; float: left; height: 307px" />Getting a mortgage can be tough these days -- even people with near-perfect credit have been rejected for loans. But for some lucky borrowers, things aren&#39;t as bad as the doom-and-gloom crowd says.<br />
	<br />
	At a recent press conference, Federal Reserve Chairman Ben Bernanke said lending standards for mortgages have tightened so considerably that &quot;the bottom third of people who might have qualified for a prime mortgage in terms of, say, FICO scores a few years ago -- cannot qualify today.&quot;<br />
	<br />
	Indeed, roughly one-in-four mortgage applicants was denied in 2010, up from about 18% in 2003, according to data from the Federal Financial Institutions Examination Council. And those are just the ones that apply -- many discouraged potential borrowers don&#39;t even bother to apply anymore.<br />
	<br />
	Yet, there is money to lend. Bob Ryan, the acting commissioner for the U.S. Department of Housing and Urban Development, or HUD, recently said that mortgage money &quot;is flowing, it&#39;s stable, it&#39;s tightened from the boom years, but it&#39;s there.&quot;<br />
	<br />
	And many of those potential home buyers sitting on the sidelines may just have a shot at it -- as long as they take a few crucial steps.<br />
	<br />
	&quot;The belief is that you can&#39;t get a mortgage at all -- but you can,&quot; Keith Gumbinger, of the mortgage information provider HSH Associates.<br />
	<br />
	What you need for traditional mortgages:<br />
	Most of the major mortgage underwriters have only returned to the more prudent standards of the days before the housing bubble. Now, according to Tuck Bradford, a branch manager with lender Mortgage Master, borrowers usually must meet four criteria in order to get a mortgage backed by Fannie Mae or Freddie Mac, the two government-run mortgage giants:<br />
	<br />
	&bull; The ability to make a 20% down payment, plus closing costs.<br />
	&bull; A good credit score. Borrowers usually need a minimum credit score of 620.<br />
	&bull; Enough income to afford payments. The general rule of thumb: no more than 28% of your gross income should go toward housing costs.<br />
	<br />
	&bull; A loan-to-value ratio of 80%. Lenders want the home value to far exceed the mortgage balance because if a borrower defaults, the bank sells the home to recoup the loss.<br />
	In today&#39;s market, however, even having all four of these factors in place doesn&#39;t always guarantee that you will get a loan.<br />
	<br />
	Steve Habetz, a loan officer in Westport, Conn. had a client who was seeking to refinance but he had a single blemish scarring an otherwise spotless credit report. The client had a couple million dollars in assets, high income, ample home equity -- and a strong credit score of 700.<br />
	&quot;This guy was a Boy Scout when it came to paying debts,&quot; said Habetz. &quot;He had never been late.&quot;<br />
	<br />
	Yet, Habetz couldn&#39;t get him a mortgage. The problem: an investment property the client had owned and tried to unload but couldn&#39;t (thanks to the housing bust). He eventually resorted to a short sale -- a deal in which the proceeds of the sale are insufficient to pay the amount owed on the mortgage and the bank agrees to forgive the losses.<br />
	<br />
	Not only did the short sale lop 100 points or so off his credit score, but it also resulted in an automatic rejection of his refinance application.<br />
	<br />
	&quot;It&#39;s maddening,&quot; said Habetz. &quot;Other than that one detail, he&#39;s very low risk. Because he had the short sale, he&#39;s out of the box for two years.&quot;<br />
	<br />
	But, for every client like Habertz&#39;s who gets rejected, there are those who have been much luckier at landing mortgage loans. And typically, they have turned to the Federal Housing Administration for help.<br />
	<br />
	&quot;The FHA is just about as free and easy as it was in the go-go days,&quot; said Gumbinger.<br />
	<br />
	Standards for these loans, insured by the FHA and issued by regular mortgage lenders, are flexible and aimed at making mortgage borrowing easier, especially for working-class Americans.<br />
	<br />
	For years, the FHA had no minimum credit score requirement at all. Now though, it requires a minimum of 580 to qualify for a 3.5%-down loan and 500 for a 10%-down mortgage.<br />
	<br />
	In practice, however, some banks will impose higher standards, according to Scott Sheldon, a loan officer with First California Mortgage in Sonoma County, Calif.<br />
	<br />
	&quot;We FHA lenders have to protect ourselves and we&#39;ve been going with a 640 minimum for a 3.5% mortgage,&quot; he said.<br />
	<br />
	How one high-risk borrower got lucky:<br />
	Sheldon had one client who seemed like an impossible case. The client was buying a home in Healdsburg, California, the heart of Sonoma&#39;s wine country. His credit score was just over 600, he was paying alimony and child support and he only had enough money for a small down payment. And there was one additional tiny problem: He had just emerged from bankruptcy in April 2009.<br />
	<br />
	In other ways, he was low-risk borrower. He grossed $10,000 a month, ample enough to satisfy debt-to-income guidelines on the $315,000 home he was buying, and he was able to document a stable work history.<br />
	<br />
	The client knew he had to raise his credit score above the 600 level in order to improve his chances. So he paid a credit repair service, Lexington Law, about $500 to find and correct errors in his records. That helped boost his score above 640.<br />
	<br />
	The client got the loan and closed on a home a couple weeks ago. The bankruptcy made it tough -- but not impossible.<br />
	<br />
	As Melanie Roussell, a spokeswoman for the FHA explained, the agency is willing to overlook a blemish on a credit report -- even a big one -- if other factors are favorable.<br />
	In today&#39;s unforgiving housing market, that&#39;s music to a borrower&#39;s ears.</span></span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Secrets-to-getting-a-mortgage-with-so-so-credit</link><guid>http://www.ulstercountyhouses.com/Blog/Secrets-to-getting-a-mortgage-with-so-so-credit</guid><pubDate>Fri, 26 Aug 2011 03:00:00 GMT</pubDate></item><item><title>Garage Fire Safety – Common Sense Minimizes Risk</title><description><![CDATA[<p>
	<span style="font-size: 12pt"><strong><img alt="" src="http://www.ulstercountyhouses.com/agent_files/Fire%20Safety.jpg" style="border-bottom: white 20px solid; border-left: white 20px solid; width: 235px; float: left; height: 225px; border-top: white 20px solid; border-right: white 20px solid" /></strong></span></p>
<p>
	<br />
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">For many homeowners, a shiny new car is as integral a part of the home as the roof and the door&mdash;and it&rsquo;s often right next to both. That&rsquo;s because many people go to great lengths to protect the beloved car from the elements, chief of which is garaging it rather than leaving it out in the driveway.</span> </span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Garaging a car keeps it safe and snug&mdash;but, if the garage is attached to the home, some risks ensue. One major risk is fire. Most folks have plenty of combustible material in their garages, from gas and oil cans to cleaning products. Combine this with all the fuel and oil in your car, and one errant leak can ignite a devastating fire.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">A less obvious, but just as dangerous, concern is carbon monoxide, which is potentially deadly. (In fact, now is the perfect time to check and make sure you have a CO2 alarm in your home and that it&rsquo;s working). What makes carbon monoxide so scary is that it&rsquo;s invisible&mdash;odorless, colorless, and tasteless&mdash;and it&rsquo;s in your car&rsquo;s exhaust. Always keep not only the exterior garage door open, but keep your car door open as well, when starting the car&mdash;the goal is to have as much ventilation directly to the outdoors as possible. Also, don&rsquo;t idle the car in the garage; pull the car out of the garage as quickly as possible after starting the car. It sounds basic, but it&rsquo;s easy to make mistakes and get distracted as soon as you get in the car.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">Luckily, there&rsquo;s no need to panic over these risks&mdash;you can minimize them. Just use common sense, and rest assured that you have a whole bunch of codes on your side. Those codes, and the builders who put them into practice, can help to greatly minimize the risk. Here&rsquo;s a rundown of U.S. national fire codes for attached garages in single-family homes:</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Half-inch gypsum board is required on the garage side of any walls that the garage and house share, as well as any walls that support a ceiling in the garage that is connected to the house. This gypsum board helps prevent fire from igniting wall studs and quickly spreading to the house.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-Any garage ceilings common to the house must contain fire-resistant 5/8 Type X gypsum board.</span></span></p>
<p>
	<span style="font-size: 12pt"><span style="font-family: arial, helvetica, sans-serif">-The door from the garage into the house must be fire-resistant; it must either have a 20-minute burn rating or, if not rated, must be solid and 1 3/8 inches thick. Lastly, this door must not open onto a room used for sleeping.</span></span></p>
<p>
	<span style="font-size: 12pt">-The garage floor must be non-combustible.</span></p>
<p>
	<span style="font-size: 12pt">-No supply or return air registers or ducts may be in the garage, under any circumstance. Any duct-work that passes through the garage with no openings (the only kind, as no openings are allowed) must be sealed with fire-stop caulking. The ducting material must be 26-gauge steel.</span></p>
<p>
	<span style="font-size: 12pt">Note that these are national codes; many local codes, which usurp national codes where applicable, are even more stringent. And if you are worried about remembering the above when buying or selling a home, don&rsquo;t worry&mdash;you don&rsquo;t have to. Just choose a good home inspector, who will know all the rules regarding garage safety. Your only other job, besides exercising common sense, is to drive carefully and enjoy your new wheels.</span></p>
<p>
	<span style="font-size: 12pt">By Charles Furlough&nbsp; RISMEDIA</span></p>]]></description><link>http://www.ulstercountyhouses.com/Blog/Garage-Fire-Safety-Common-Sense-Minimizes-Risk</link><guid>http://www.ulstercountyhouses.com/Blog/Garage-Fire-Safety-Common-Sense-Minimizes-Risk</guid><pubDate>Fri, 26 Aug 2011 03:00:00 GMT</pubDate></item></channel></rss>