Michael Inkman

Fairway Independent Mortgage Corp.

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Go Green By Faking It With Artificial Grass

July 5, 2013 by Michael Inkman Leave a Comment

Go Green By Faking It With Artificial TurfThe summer heat is starting to take its toll on you and your thirsty lawn. Homeowners spend hundreds of dollars every summer striving to grow healthy grass and keep it green.

If you’re sick of trying to maintain a manicured lawn, then you can go green another way. Install artificial turf.

The Grass is Always Greener

Today’s artificial grass is made out of polypropylene, nylon, or polyethylene threads that are sewn into a mesh backing that allows for water drainage. This is then usually laid on top of compacted gravel and tied down at the perimeter.

Modern artificial lawns can mimic many varietals of grass and some even have a thatch layer to give it a more realistic look.

Sick Of Maintenance

Homeowners have many reasons for wanting to be free of their demanding lawns, such as high summer water bills and the constant use of pesticides. With a fake lawn, you won’t have to water, which is especially good for high-heat areas, you won’t have to mow and you can quit worrying about how the weather will affect it.

Considering The Costs

While installing artificial grass can cost a bit up front, it’ll be maintenance free for the next 15 to 20 years. You won’t have to worry about water bills, purchasing grass seed, buying fertilizer or getting gas for the lawnmower, which can add up to a couple hundred dollars every year.

Potential Drawbacks

While a maintenance-free yard does have some appeal, there are a few drawbacks to take into consideration. Fake lawns don’t absorb pet waste, so you have to hose them off regularly.

They can also heat up in direct sunlight. Planting shade trees will help with this issue. And, artificial lawns cannot be recycled, which is an issue that the industry is looking to remedy.

Saving water and reducing the use of pesticides is great for the environment. However, you have to like the look of artificial grass and make sure you’re ready for the investment.

If you’ve been considering going green by switching to year-round green grass, talk with a local installer for grass options and cost comparisons.

Filed Under: Around The Home Tagged With: Home Improvement, Home Maintenance, Yard Care

7 Smart Tips To Painting Your Own Home This Summer

July 3, 2013 by Michael Inkman Leave a Comment

7 Smart Tips To Painting Your Own Home This SummerWinter may have taken a toll on your home’s exterior this year. You’ve been noticing the cracking paint for months, but you don’t want to shell out the big bucks to hire a professional painter.

Don’t fret! With the weather warming and the nice summer weekends, it’s the perfect time to tackle that project of painting your home.

While this might seem like an insurmountable task, especially if you have a multi-story home, it’s not. It just takes the right tools and a bit of hard work. Below are step-by-step instructions to having the outside of your house looking shiny and new.

Test For Lead

Homes built before 1978 could have used lead paint, so be careful if you have an older home. They make kits that test for lead paint. If your home tests positive, then ensure you take the necessary precautions to keep yourself and your neighbors safe.

Scrub It Up

You need to wash the exterior of your home before painting. Mildew thrives under new paint, so kill it with a solution of water and phosphate-free cleaner.

Scrape And Sand

Take a scraper to your home’s exterior to remove any peeling paint. Spraying water under the paint as you scrape helps speed up the process. Then sand down any rough spots, so that you have a smooth canvas.

Apply The Primer

Paint on the primer immediately after you’ve prepped the wood. This will provide and even base for your topcoat of paint.

Buy Some Caulk

You’ll need to caulk all the joints to prevent water penetration and air leakage. Plus, caulk does a great job of filling in blemishes in your siding.

Pick Out Your Paint

Choose a water-based latex paint. It’s easier than applying oil-based paints. However, if your home already has an oil-based paint, you’ll have to stay with it. Once you’ve selected your favorite paint color, just grab a brush or rent a sprayer to start painting your home.

Maintain your exterior.

Be sure to check your home annually for any potential problems. Replace cracked caulk, remove mildew and patch any peeling paint before it spreads.

Utilize the beautiful summer weekends to get started on painting your home. Understand that this process normally takes two weekends, so be patient. Plus, by not hiring a professional, you’ll save a significant sum of money and have bragging rights when you receive compliments on the condition of your home.

 

Filed Under: Around The Home Tagged With: Do It Yourself, Home Maintenance Tips, Painting Your Home

Liberate Yourself From Your Mortgage With This Simple Plan

July 2, 2013 by Michael Inkman Leave a Comment

Liberate Yourself From Your Mortgage With This Simple PlanWhat if you could accelerate the mortgage payment on your home so that you own your property several years earlier than your 15 or 30 year term?

Making your final mortgage payment and owning your house is an incredibly good feeling and there is a simple way that you can bring about that rewarding day much sooner.

By making one extra mortgage payment every year, you will be able to pay off your mortgage years earlier without putting a lot of stress on your present day finances. Although it might not seem like a lot, just one extra payment per year can help you to significantly reduce the length of your mortgage.

For example, if you have a 30 year mortgage with a fixed rate, it could be possible to pay off your loan in 25 years instead of 30 when you make an extra payment per year. You will also very likely be able to save thousands of dollars over the years in interest charges.

How to Fit the Extra Payment Into Your Budget

If you think that your budget is too tight to squeeze in the extra yearly payment, it’s time to start thinking about what adjustments you can make. With a bit of clever budgeting, you can find the extra cash needed.

First of all, break the extra payment down by dividing it by 12. For example, if your monthly mortgage payment is $1600, you will need to save an extra $133 per month to be able to make a full extra payment every year. Or, you could think of it as $33 per week or $4.75 per day.

Surely you can survive on $4.75 per day less than you are spending right now, right?

There are many ways that you could find this extra money. It’s the difference between eating at a restaurant or cooking at home once or twice per week, bringing home-brewed coffee to work in a thermos rather than going to the expensive coffee shop, or cancelling a cable TV package that you never watch. Take a look at your budget so that you can determine where you can cut your expenses.

Once you make your goal of an extra payment every year, not only will you see that the savings program was easier than you thought it would be, but you might decide to accelerate even more so that it will be even sooner when you have the satisfaction of owning your home.

For more information about the optimal plan for the mortgage on your Dallas home, feel free to contact me by phone or email.

Filed Under: Home Financing Tips Tagged With: Mortgage Acceleration, Mortgage Financing, Pay Off Early

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Michael Inkman

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michael@michaelinkman.com
Mobile: (214) 762-4659
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