Finance > Insurance > Home InsuranceRenovate for Real Estate Gains Posted by nick_niesen in Finance on November 8th Black Walter Payton Jersey , 2010
A home is so much more than a roof over our heads. It is our largest purchase (unless you like thoroughbreds or really expensive shoes), and almost always a significant portion of our assets at retirement. So when it comes to improving your home through renovations, it's important to think beyond cosmetic appeal and look at how those projects can improve your wealth.
We may think of a home as a long-term purchase, but in fact a great deal of us will own a home for just 5-7 years. So look very closely at the money you spend on your home. Look for projects that will add the most perceived value to your home for the least cost. Decision-making should be guided by the big picture 聳 a financial plan that includes your retirement goals, acceptable debt levels Black Khalil Mack Jersey , and tax planning. I encourage you to think about potential home renovation projects in terms of three categories: resale value, maintenance costs, and potential risk.
Made for the Market Some of the design tips you may have picked up watching Trading Spaces might prove useful. The types of changes they make, cosmetic rather than foundational (plumbing, electrical Eddie Goldman Jersey , etc.), may be the best way to improve your home's value without spending a bundle. At very little cost, painting is the No. 1 home improvement. A well-coordinated, modern color treatment can raise the selling price of your home significantly. Other cosmetic projects involving light fixtures, tiles or flooring Kevin White Jersey , wallpaper, or new trim, can also pay off well, particularly in kitchens and bathrooms (dollar-for-dollar, these rooms tend to reward your efforts more so than others).
Pragmatic home enhancements like adding central air or a gas fireplace generally will not earn more in sales value than their cost. These types of additions involve well-known Cody Whitehair Jersey , fixed costs, and depreciation always takes a bite. Luxury items like swimming pools and hot tubs generally score low in terms of resale value. Swimming pools typically add about $5,000 to the home's resale value 聳 not much considering a pool costs about $20,000 to install.
Major house additions should be carefully considered. These usually involve electrical, structural or plumbing work that is hard to recover. What areas pay off most? Bedrooms. Adding a bedroom is a big plus Leonard Floyd Jersey , while a family room can enhance the value of a smaller home. Basements score low; they are still considered by many buyers as a cold, damp place to store things.
Reduce Maintenance Costs If you plan to spend at least a few more years in your home, you might leave the cosmetic fixes for now and instead look for ways to reduce maintenance costs. Heating and water should be your first targets. It's impressive what you can do with less than $100 of weatherproofing products and a little know-how. Look to -real-estate for energy conservation recommendations. Similarly, water usage can be reduced through new fixtures. Check with your local government for possible rebates on certain water-efficient products. It's tough to immediately see the payoff of your expenses here, but look to year-over-year consumption levels (usually displayed on your water or energy bill) to see how you're doing.
Monitor Risk As with investing Eddie Jackson Jersey , homeowners should not let opportunity supplant a sound evaluation of risk. Home insurance is a given, but how sure are you that your house is up to code? A homeowner I know was sued after a visitor tripped on his steps 聳 turns out the height of each step wasn't quite up to code. One home inspector estimates that each home he inspects has between 5 and 20 code violations, many that are simple to fix.
Also, preventive maintenance is always a wise investment in some areas where the cost of complications is high. Quality roofing, wiring and water drainage (eaves troughs Tarik Cohen Jersey , etc.) will prevent unexpected and costly damage to your home. The idea with these projects is not how much you'll gain, but how much you'll avoid losing.
So remember, next time you survey your assets and investments, give some thought to the value of your home. Look for efficient improvements 聳 changes that will earn or save you more money than they cost to implement. Ask yourself if a pool is a good idea when an extra bedroom might cost the same but increase the value of your home by $15,000 more.
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