Tips Blog

Imagine this: You’ve just accepted a job in a new city and the company has offered to fly you and your family in for a weekend to buy a house. You panic, wondering how in the world you can ever settle on a house in a new city in a weekend when you don’t know the first thing about that city. It may feel like throwing a dart in a dark room and hoping it ends up close to the target. However, you really can be quite successful if you follow a simple plan. At Carol Dochen Realtors, we do it regularly, we do it successfully and we’re happy to share our secrets with those of you (or your friend or family member) who may be crunched for time and need to find the RIGHT house quickly.

1. Do your homework. Fill your Realtor in on all of the important requirements before you arrive:

• Price range – Settling on this before your search will make your search more efficient -do this by prequalifying for the mortgage.
• School needs – Does your child have special needs or special interests such as the creative arts,  sports, math & science or the humanities
• Business needs – Do you need  or want to live close to where you work?
• Worship needs – How important is having a house of worship nearby?
• Community amenities – Are you looking for a golf course, swimming pool or tennis club?

2. Pre-qualify for a mortgage. We are always happy to help guide our clients through this  process and we always recommend that  you  use a local lender. We highly recommend Max Leaman at Prime Lending,  but can make additional recommendations as well.

3. Bring a checkbook. You will need several checks to pay for  items  required at the beginning of the contract process , such as:

• Credit report (~$ 25 )
• Pre-payment of appraisal (~ $ 500)
• Earnest money (typically 1% of sales price)
• Option fee ( ~$150- 400)
• Inspection fee (~$350 – 600)

4. Dress comfortably. Be ready for long, but FUN days.  (We will provide drinks and snacks to make sure you are well-fed!)

We want to help  create  a successful weekend home search in Austin with Carol Dochen Realtors:

• We are happy to assist in making hotel arrangements.
• We are family friendly and are happy to have children join in the fun OR we can arrange for babysitting.
• The current market in Austin is generally a buyer’s market meaning that often we can negotiate a good price. Now is a GREAT time to spend a successful house-buying weekend in Austin!
• Even if you don’t  buy a home on this trip , our goal is to acclimate you to Austin so that when you’re ready to  purchase , you  have  all the right information.

You know we’re nearing the middle of summer when the Back-to-School ads begin appearing in the newspaper and on TV. Whether you’re shopping for lunch boxes for your first-grader or extra-long sheets for your college freshman, planning for Fall begins now. And, even if you’re an empty-nester, the beginning of a new school year still marks the impending changing of the seasons and affects schedules. (Just think about how traffic patterns change when school starts and how weekend football games can impact an entire community!) Knowing how to plan around school events and holidays will make sliding into Fall a breeze. We’ve compiled links to many area school calendars that just may impact YOUR life. Plan well and enjoy these last dog days of summer.

Public School Districts

Austin ISD

Dripping Springs ISD

Eanes ISD

Georgetown ISD

Hays CISD

Lake Travis ISD

Leander ISD

Manor ISD

Pflugerville ISD

Round Rock ISD

Private Schools

Austin Jewish Academy

Paragon Prep

St. Andrews Episcopal School

St. Stephens Episcopal School

Trinity Episcopal School

Colleges and Universities

Austin Community College

Southwestern University

St. Edward’s University

Texas State University

University of Texas academic

University of Texas football

People were amazed that the June 24 City Council meeting discussion of changes to the remodeling ordinance (see our Special Edition June 21 Newsletter re-posted below) went as quickly and smoothly as it did. After years of heated discussions, including outright fights about new rules, city council members unanimously adopted new rules governing home remodeling. An alliance between two planning commissioners who had been at opposite ends of the McMansion ordinance several years ago re-focused the discussion on what was really important: making sure that remodels were done safely and to code. In the past, shady contractors were known to tear down all but a small portion of a home so that construction would be considered a re-model and could be grandfathered into the current code. That time is past.

What’s in the new law?

1. No more than 0.5 percent  of exterior walls and supporting structural elements of an existing structure that does not comply with current code may be demolished or removed and still be considered a remodel
2. If a portion of a demolished structure had been in violation of code, it must be re-built in compliance with current code.
3. An added inspection requirement: Within seven days of an application, a city inspector will travel to a site to ensure that rules are being followed.

You can review the full text on the City of Austin website:  http://www.ci.austin.tx.us/development/downloads/09_005_res_remodel_regs.pdf

—————————————————————————————————————————

Our Original Newsletter Text from June 21, 2010:

Austin City Council Sets Hearing To Discuss Amending Remodeling Code

A public hearing to consider the ordinance amending the City Code related to residential remodeling has been set for June 24, 2010, at 4 p.m., at Austin City Hall, 301 W. Second St.

If you are considering remodeling your home, you may be interested in attending this hearing. The proposed changes may affect your ability to add-on or do significant reconstruction to your home. It is anticipated that this ordinance may have a similar impact in our housing market that the McMansion Ordinance has had.

For more information about the proposed changes, the city has provided Backup Material. We will keep you informed as well.

If your summer could use a little adventure  and your wallet a little cash, you might consider going on an online treasure hunt. There’s money to be found and some of it really could have  YOUR  name on it.

ClaimItTexas.org is the official State of Texas unclaimed property website. By exploring it, you may find old bank accounts that you forgot existed, security deposits, refunds and money from various other sources. According to the site, one in four Texans has unclaimed property. And, all you have to do is log-in with your name to launch your own hunt.

We decided to try it in our office. Within five minutes, we had logged in the names of each of our team  members and we found over $1,000.  It was a quick, fun diversion, and even profitable for some of us. Try it for yourself and then let us know what you find!

Take advantage of today’s low interest rates and buy your dream home today!! In last week’s post, we dispelled the myth that getting a loan will be  difficult.  You  might know that a good credit score is a necessity, but there are things you may have overlooked that will better your chances of getting a loan approved. The following is Part II of our  list of things you DON’T want to do when applying for a loan (see last week’s post for the first 5 dont’s):

1. Don’t ignore errors on a credit report. Instead, correct them as quickly as possible and then check to make sure they’ve been removed a couple months later.
2. Don’t make payments late   on credit card bills. Credit scores drop with every late or missed payment.
3. Don’t forget to incorporate if you’re self-employed. Some banks won’t touch self-employed buyers.
4. Don’t wait to receive  funds from a family member if the funds are a gift for your down payment. If funds  appear in your bank account within two months of your loan application, you may have to verify where the money came from. Borrowing for a down payment will be considered a debt and will affect your debt to income ratio  and your credit score .
5. Don’t forget to submit ALL of your paperwork  to your lender immediately . Missing documents create delays  in doing appraisals and getting loan approval.

If you’ve been thinking about buying a home, now may be the very best time to do so. Let’s talk!

Interest Rates are at the very lowest they have been in decades! These low interest rates will not be around for much longer so we urge you to consider buying right now.

Lots of people ask us what to do when they apply for a loan and what pitfalls to avoid.  Here’s the first installment of a list with our pointers.

In an extremely tight lending market, you may think getting a loan will be  difficult. You  might know that a good credit score is a necessity, but there are things you may have overlooked that will better your chances of getting a loan approved. The following is a list of things you DON’T want to do when applying for a loan:

1. Don’t close  bank or credit card accounts, especially if they have a high available balance. Paying off the balance and leaving the account open will do more good for your credit score than closing the account.
2. Don’t quit using credit cards. Even if you just charge on them occasionally, credit scores will be higher if you use your cards even occasionally.
3. Don’t keep a high balance on your credit cards. This becomes a red flag to lenders.
4. Don’t say “yes” to every credit card offer. Repeatedly applying for new credit cards can hurt your credit score by decreasing the average age of your credit history and create suspicion as every application requires a credit score inquiry.
5. Don’t ignore fines that are owed, even for things like overdue library books or parking tickets. All of these could end up on a credit report.

Watch for Part II coming  next week!

As smart consumers, we’re encouraged to keep a close eye on our personal credit score. And even if we don’t, others we do business with will. When making major purchases, like a house or car, when looking to rent an apartment, home or office, you can bet the owner is interested in your credit score.  According to AnnualCreditReport.com, your credit score “is a complex mathematical model that evaluates many types of information in a credit file. A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service.” Additionally, keeping a close eye on our credit rating may alert us to possible fraud if the reports we’re seeing don’t jive with our true financial management.

After hearing the commercial jingle on TV for FreeCreditReports.com, it seems that getting your credit report should be easy, and FREE. And, per new rules amended by the Federal Trade Commission on April 21, 2010, that should be even truer. These rules require that any advertising for a free credit report must also include a disclosure statement notifying consumers that they have a right to a free credit report and, supposedly, were put into place to avoid confusion about offers that appear to be free, but that, in reality, require that you spend money on a credit monitoring service. I decided to check it out for myself.

So, this is how it went:
I surfed to http://www.annualcreditreport.com, a service provided (supposedly free of charge) by the three largest credit bureaus in the US – Transunion, Experion and Equifax. I decided to run one of my three yearly allotted reports. I chose Transunion (it being the top of the list). I began the seemingly simple process by answering questions on the secure site. About 15 minutes later, after having to get a verification call from Transunion , I received a full report. But wait, where was my credit score? Ahhhh…..that’s where they get you. In order to get the score (which is one of the main reasons I did this exercise), I had to click another link that took me to a new website requiring me to fill out an additional form, input my credit card information and agree to a $14.95 per month service which would begin after a 7 day trial period. Since there was no other way to get the score, I opted to fill out yet ANOTHER form, and hit “agree” to the fee-driven service. Immediately after getting the magic number, I searched the site for a way to cancel. Lo and behold, a customer service phone number was all that was available. I made the call, was put on hold for the next available service rep, then was asked MORE security /identification questions. I requested that my new account be cancelled. The service rep began a series of questions about why I was dissatisfied with the service, doing her best to save the sale. Explaining that I really only wanted my credit score and wasn’t interested in credit monitoring services didn’t seem to make sense to her until I politely asked that she simply cancel my account.

I’m a bit baffled and am not sure that AnnualCreditReport.com got the memo from the Federal Trade Commission. Getting the report was fairly easy, but should getting the actual score be this difficult? If you move forward with getting a score, just be forewarned that you’ll likely need to subscribe to a monitoring service, even if you end up canceling your subscription.

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#1.  There are a number of ways to save water, and they all start with you.
#2.   When washing dishes by hand, don’t let the water run while rinsing. Fill one sink with wash water and the other with rinse water.
#3.   Evaporative coolers require a seasonal maintenance checkup. For more efficient cooling, check your evaporative cooler annually.
#4.   Check your sprinkler system frequently and adjust sprinklers so only your lawn is watered and not the house, sidewalk, or street.
#5.   Run your washing machine and dishwasher only when they are full and you could save 1000 gallons a month.
#6.   Avoid planting turf in areas that are hard to water such as steep inclines and isolated strips along sidewalks and driveways.
#7.   Install covers on pools and spas and check for leaks around your pumps.
#8.   Use the garbage disposal sparingly. Compost instead and save gallons every time.
#9.   Plant during the spring or fall when the watering requirements are lower.
#10.   Keep a pitcher of water in the refrigerator instead of running the tap for cold drinks, so that every drop goes down you not the drain.
#11.   Check your water meter and bill to track your water usage.
#12.   Minimize evaporation by watering during the early morning hours, when temperatures are cooler and winds are lighter.
#13.   Wash your produce in the sink or a pan that is partially filled with water instead of running water from the tap.
#14.   Use a layer of organic mulch around plants to reduce evaporation and save hundreds of gallons of water a year.
#15.   Use a broom instead of a hose to clean your driveway or sidewalk and save 80 gallons of water every time.
#16.   If your shower can fill a one-gallon bucket in less than 20 seconds, then replace it with a water-efficient showerhead.
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#17.   Collect the water you use for rinsing produce and reuse it to water houseplants.
#18.   Divide your watering cycle into shorter periods to reduce runoff and allow for better absorption every time you water.
#19.   We’re more likely to notice leaky faucets indoors, but don’t forget to check outdoor faucets, pipes, and hoses for leaks.
#20.   Periodically check your pool for leaks if you have an automatic refilling device.
#21.   Only water your lawn when needed. You can tell this by simply walking across your lawn. If you leave footprints, it’s time to water.
#22.   When you shop for a new appliance, consider one offering cycle and load size adjustments. They are more water and energy-efficient than older appliances.
#23.   Time your shower to keep it under 5 minutes. You’ll save up to 1000 gallons a month.
#24.   Install low-volume toilets.
#25.   Adjust your lawn mower to a higher setting. Longer grass shades root systems and holds soil moisture better than a closely clipped lawn.
#26.   When you clean your fish tank, use the water you’ve drained on your plants. The water is rich in nitrogen and phosphorus, providing you with a free and effective fertilizer.
#27.   Use the sprinkler for larger areas of grass. Water small patches by hand to avoid waste.
#28.   Put food coloring in your toilet tank. If it seeps into the toilet bowl, you have a leak. It’s easy to fix, and you can save more than 600 gallons a month.
#29.   Plug the bathtub before turning the water on, then adjust the temperature as the tub fills up.
#30.   Use porous materials for walkways and patios to keep water in your yard and prevent wasteful runoff.
#31.   Direct downspouts and other runoff towards shrubs and trees, or collect and use for your garden.
#32.   Designate one glass for your drinking water each day. This will cut down on the number of times you run your dishwasher.
#33.   Water your summer lawns once every three days and your winter lawn once every five days.
#34.   Install a rain shut-off device on your automatic sprinklers to eliminate unnecessary watering.
#35.   Don’t use running water to thaw food.
#36.   Choose a water-efficient drip irrigation system for trees, shrubs and flowers. Watering at the roots is very effective, be careful not to over water.
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#37.   Grab a wrench and fix that leaky faucet. It’s simple, inexpensive, and can save 140 gallons a week.
#38.   Reduce the amount of grass in your yard by planting shrubs, and ground cover with rock and granite mulching.
#39.   When doing laundry, match the water level to the size of the load.
#40.   Teach your children to turn the faucets off tightly after each use.
#41.   Remember to check your sprinkler system valves periodically for leaks and keep the heads in good shape.
#42.   Before you lather up, install a low-flow showerhead. They’re inexpensive, easy to install, and can save your family more than 500 gallons a week.
#43.   Soak your pots and pans instead of letting the water run while you scrape them clean.
#44.   Don’t water your lawn on windy days. After all, sidewalks and driveways don’t need water.
#45.   Water your plants deeply but less frequently to create healthier and stronger landscapes.
#46.   Make sure you know where your master water shut-off valve is located. This could save gallons of water and damage to your home if a pipe were to burst.
#47.   When watering grass on steep slopes, use a soaker hose to prevent wasteful runoff.
#48.   Group plants with the same watering needs together to get the most out of your watering time.
#49.   Remember to weed your lawn and garden regularly. Weeds compete with other plants for nutrients, light, and water.
#50.   While fertilizers promote plant growth, they also increase water consumption. Apply the minimum amount of fertilizer needed.
#51.   Avoid installing ornamental water features and fountains that spray water into the air. Trickling or cascading fountains lose less water to evaporation.
#52.   Use a commercial car wash that recycles water.
#53.   Don’t buy recreational water toys that require a constant flow of water.
#54.   Turn off the water while you brush your teeth and save 4 gallons a minute. That’s 200 gallons a week for a family of four.
#55.   Buy a rain gauge to track how much rain or irrigation your yard receives. Check with your local water agency to see how much rain is needed to skip an irrigation cycle.
#56.   Encourage your school system and local government to help develop and promote a water conservation ethic among children and adults.
#57.   Teach your family how to shut off your automatic watering systems. Turn sprinklers off if the system is malfunctioning or when a storm is approaching.
#58.   Set a kitchen timer when watering your lawn or garden with a hose.
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#59.   Make sure your toilet flapper doesn’t stick open after flushing.
#60.   Make sure there are aerators on all of your faucets.
#61.   Next time you add or replace a flower or shrub, choose a low water use plant for year-round landscape color and save up to 550 gallons each year.
#62.   Install an instant water heater on your kitchen sink so you don’t have to let the water run while it heats up. This will also reduce heating costs for your household.
#63.   Use a grease pencil to mark the water level of your pool at the skimmer. Check the mark 24 hours later. Your pool should lose no more than 1/4 inch each day.
#64.   Cut back on rinsing if your dishwasher is new. Newer models clean more thoroughly than older ones.
#65.   Use a screwdriver as a soil probe to test soil moisture. If it goes in easily, don’t water. Proper lawn watering can save thousands of gallons of water annually.
#66.   Avoid overseeding your lawn with winter grass. Once established, ryegrass needs water every three to five days, whereas dormant Bermuda grass needs water only once a month.
#67.   Do one thing each day that will save water. Even if savings are small, every drop counts.
#68.   When the kids want to cool off, use the sprinkler in an area where your lawn needs it the most.
#69.   Make sure your swimming pools, fountains, and ponds are equipped with recirculating pumps.
#70.   Bathe your young children together.
#71.   Landscape with Xeriscape trees, plants and groundcovers. Call your local conservation office for more information about these water thrifty plants.
#72.   Winterize outdoor spigots when temps dip to 20 degrees F to prevent pipes from bursting or freezing.
#73.   Insulate hot water pipes so you don’t have to run as much water to get hot water to the faucet.
#74.   Wash your car on the grass. This will water your lawn at the same time.
 
#75.   Drop that tissue in the trash instead of flushing it and save gallons every time.
#76.   If you have an evaporative cooler, direct the water drain to a flowerbed, tree, or your lawn.
#77.   Make suggestions to your employer to save water (and dollars) at work.
#78.   Support projects that use reclaimed wastewater for irrigation and other uses.
#79.   Use a hose nozzle and turn off the water while you wash your car and save more than 100 gallons.
#80.   Encourage your friends and neighbors to be part of a water-conscious community.
#81.   If your toilet was installed prior to 1980, place a toilet dam or bottle filled with water in your toilet tank to cut down on the amount of water used for each flush. Be sure these devices do not interfere with operating parts.
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#82.   Install water softening systems only when necessary. Save water and salt by running the minimum number of regenerations necessary to maintain water softness.
#83.   Wash clothes only when you have a full load and save up to 600 gallons each month.
#84.   Leave lower branches on trees and shrubs and allow leaf litter to accumulate on top of the soil. This keeps the soil cooler and reduces evaporation.
#85.   Pick-up the phone and report significant water losses from broken pipes, open hydrants and errant sprinklers to the property owner or your water management district.
#86.   Bermuda grasses are dormant (brown) in the winter and will only require water once every three to four weeks or less if it rains.
#87.   Start a compost pile. Using compost when you plant adds water-holding organic matter to the soil.
#88.   Use sprinklers that throw big drops of water close to the ground. Smaller drops of water and mist often evaporate before they hit the ground.
#89.   Listen for dripping faucets and toilets that flush themselves. Fixing a leak can save 500 gallons each month.
#90.   More plants die from over-watering than from under-watering. Be sure only to water plants when necessary.
#91.   Cook food in as little water as possible. This will also retain more of the nutrients.
#92.   Adjust your watering schedule to the season. Water your summer lawn every third day and your winter lawn every fifth day.
#93.   Turn the water off while you shampoo and condition your hair and you can save more than 50 gallons a week.
#94.   Bathe your pets outdoors in an area in need of water.
#95.   Choose new water-saving appliances, like washing machines that save up to 20 gallons per load.
#96.   Water only as rapidly as the soil can absorb the water.
#97.   Aerate your lawn. Punch holes in your lawn about six inches apart so water will reach the roots rather than run off the surface.
#98.  Select the proper size pans for cooking. Large pans require more cooking water than may be necessary.
#99.  Place an empty tuna can on your lawn to catch and measure the water output of your sprinklers. For lawn watering advice, contact your local conservation office.
#100.  Turn off the water while you shave and you can save more than 100 gallons a week.
#101.  When you give your pet fresh water, don’t throw the old water down the drain. Use it to water your trees or shrubs.
#102.  If you accidentally drop ice cubes when filling your glass from the freezer, don’t throw them in the sink. Drop them in a house plant instead.
#103.  To save water and time, consider washing your face or brushing your teeth while in the shower.
#104.  While staying in a hotel or even at home, consider reusing your towels.
#105.  When backwashing your pool, consider using the water on your
landscaping.
 
#106.  For hanging baskets, planters and pots, place ice cubes under the moss or dirt to give your plants a cool drink of water and help eliminate water overflow.
 
#107.  Throw trimmings and peelings from fruits and vegetables into your yard compost to prevent from using the garbage disposal.
 
#108.  When you have ice left in your cup from a take-out restaurant, don’t throw it in the trash, dump it on a plant.
 
#109.  Have your plumber re-route your gray water to trees and gardens rather than letting it run into the sewer line. Check with your city codes, and if it isn’t allowed in your area, start a movement to get that changed.
 
#110.  Keep a bucket in the shower to catch water as it warms up or runs. Use this water to flush toilets or water plants.
 
#111.  When you are washing your hands, don’t let the water run while you lather.
 

Tuesday, January 6, 2009
Austin Business Journal
The Austin area added 6,200 private-sector jobs in the 12-month period between November 2007 and November 2008—the 10th biggest gain in metro employment in the country—according to figures released Tuesday by the U.S. Bureau of Labor Statistics.
Texas is showing considerable resilience amid a crippled national economy. The two largest markets in the state—Houston and Dallas-Fort Worth—registered the nation’s biggest privatesector
employment gains. The Houston area added 42,400 jobs between November 2007 and November 2008, and Dallas-Fort Worth picked up 35,100. No other U.S. market gained more than 15,600 privatesector jobs during the 12-month period. All four of Texas’ major metro areas ranked among the top 10 in job creation in the last year. San Antonio was No. 4 with 11,700 new jobs. But the rest of the country isn’t faring nearly so well. Just one-fifth of the nation’s 100 largest metropolitan areas managed to add any jobs at all. Seventy-eight suffered losses, 21 posted increases, and one was unchanged. Detroit was hit with the biggest loss of private-sector jobs, 67,700 in 12 months. November 2008 brought the 38th straight monthly decline for Detroit. Four other markets lost more than 50,000 private-sector jobs during the past year: Atlanta,
Los Angeles, Miami-Fort Lauderdale and Phoenix.
The following are the 100 biggest labor markets in America, ranked according to raw change in private-sector employment between November 2007 and November 2008:
1. Houston, up 42,400 jobs
2. Dallas-Fort Worth, up 35,100 jobs
3. Washington, up 15,600 jobs
4. San Antonio, up 11,700 jobs
5. Seattle, up 9,900 jobs
6. Virginia Beach-Norfolk, up 9,100 jobs
7. Oklahoma City, up 8,100 jobs
8. New Orleans, up 7,200 jobs
9. McAllen-Edinburg, Texas, up 6,700 jobs
10. Austin, up 6,200 jobs
11. Boston, up 4,600 jobs
11. Raleigh, up 4,600 jobs
13. El Paso, Texas, up 4,100 jobs
14. Hartford, up 3,600 jobs
15. Columbus, up 2,900 jobs
16. Baton Rouge, La., up 2,800 jobs
17. Bakersfield, Calif., up 2,000 jobs
18. Omaha, up 1,100 jobs
19. Youngstown, Ohio, up 500 jobs
20. New Haven, Conn., up 300 jobs
21. Des Moines, Iowa, up 200 jobs
22. Poughkeepsie, N.Y., no change
23. Greensboro, down 100 jobs
24. Baltimore, down 200 jobs
25. Albany, down 500 jobs
25. Syracuse, N.Y., down 500 jobs
25. Tulsa, down 500 jobs
28. Little Rock, Ark., down 1,000 jobs
28. Modesto, Calif., down 1,000 jobs
28. Pittsburgh, down 1,000 jobs
31. Wichita, Kans., down 1,300 jobs
32. Greenville, S.C., down 1,600 jobs
33. Scranton-Wilkes-Barre, Pa., down 1,700 jobs
34. Portland, Maine, down 1,900 jobs
35. Bridgeport-Stamford, Conn., down 2,000 jobs
36. Chattanooga, Tenn., down 2,300 jobs
37. Birmingham, down 2,400 jobs
37. Springfield, Mass., down 2,400 jobs
39. Akron, Ohio, down 2,500 jobs
39. Jackson, Miss., down 2,500 jobs
41. Charlotte, down 2,600 jobs
41. Grand Rapids, down 2,600 jobs
41. Stockton, Calif., down 2,600 jobs
44. Ogden, Utah, down 2,800 jobs
45. Daytona Beach, Fla., down 3,000 jobs
45. Fresno, Calif., down 3,000 jobs
47. Knoxville, Tenn., down 3,200 jobs
48. Worcester, Mass., down 3,300 jobs
49. Allentown-Bethlehem, Pa., down 3,400 jobs
49. Indianapolis, down 3,400 jobs
51. Harrisburg, Pa., down 3,500 jobs
52. Madison, Wis., down 3,600 jobs
53. Albuquerque, down 3,700 jobs
54. Colorado Springs, down 4,000 jobs
55. Charleston, S.C., down 4,100 jobs
55. Richmond, down 4,100 jobs
57. Rochester, N.Y., down 4,200 jobs
58. Augusta, Ga., down 4,300 jobs
59. Lakeland, Fla., down 4,600 jobs
60. Buffalo, down 4,700 jobs
61. Palm Bay-Melbourne, Fla., down 4,800 jobs
62. Cincinnati, down 5,000 jobs
63. Honolulu, down 6,000 jobs
64. Columbia, S.C., down 6,100 jobs
64. Denver, down 6,100 jobs
66. Salt Lake City, down 6,400 jobs
67. Oxnard-Thousand Oaks, Calif., down 6,500 jobs
68. Dayton, down 6,700 jobs
69. Nashville, down 7,100 jobs
70. San Jose, down 7,300 jobs
70. Toledo, Ohio, down 7,300 jobs
72. Orlando, down 7,600 jobs
73. Cape Coral-Fort Myers, Fla., down 9,200 jobs
74. Las Vegas, down 9,600 jobs
75. Bradenton-Sarasota, Fla., down 10,100 jobs
76. Jacksonville, down 10,700 jobs
77. Kansas City, down 11,000 jobs
78. Boise, Idaho, down 11,200 jobs
79. Cleveland, down 11,300 jobs
80. Milwaukee, down 12,400 jobs
81. Louisville, down 12,800 jobs
82. Memphis, down 13,600 jobs
83. St. Louis, down 14,200 jobs
84. Sacramento, down 14,900 jobs
85. Portland, Ore., down 15,500 jobs
86. Providence, down 16,600 jobs
86. Tucson, down 16,600 jobs
88. San Diego, down 17,500 jobs
89. Philadelphia, down 18,800 jobs
90. San Francisco-Oakland, down 21,100 jobs
91. Minneapolis-St. Paul, down 31,400 jobs
92. New York City, down 33,500 jobs
93. Chicago, down 33,600 jobs
93. Tampa-St. Petersburg, down 33,600 jobs
95. Riverside-San Bernardino, Calif., down 35,800 jobs
96. Phoenix, down 58,500 jobs
97. Miami-Fort Lauderdale, down 59,700 jobs
98. Los Angeles, down 60,700 jobs
99. Atlanta, down 66,100 jobs
100. Detroit, down 67,700 jobs
All contents of this site © American City Business Journals Inc. All rights reserved.

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State Farm Insurance offers the following tips for avoiding water damage inside your home. Visit their home safety page for more details.

Water damage can often be avoided with routine maintenance and assistance from qualified contractors.

General Tips
Check for hidden leaks by turning off faucets, all water-using appliances, and not flushing toilets for one hour. Record the water meter reading. If the flow indicator (triangular or diamond-shaped rotating button) is spinning or the meter reading has changed while no water is being used, a leaking pipe may exist.

Know where the main water shut off valve is located in your home and check it frequently to make sure it is operational.
Inside Your Home
Water leaks can happen anywhere in the house, but they occur most frequently in the kitchen, bathroom and laundry rooms.

Kitchen
Dishwasher – Periodically check under the sink to see if the hose connection to the water supply line is secure and is not leaking. Check around the base of the dishwasher for evidence of leaks. Look for discolored, warped, or soft flooring materials or water damage to nearby cabinets.

Refrigerator – If your refrigerator has an icemaker, check the hose connection to make sure it is securely attached to the water supply line. The wet spot you see on the floor near the refrigerator may be melted ice cubes or it may be a crimped icemaker line about to burst.

Sink – Recaulk around sinks and pay attention to slow-draining pipes. This may indicate a partially blocked drain. Check the pipes under the sink for signs of water leaks.
Bathroom
Showers and bathtubs – Discoloration or soft areas around floors and walls near showers or bathtubs may be your first indication there is a leak. Check caulking at joints where the walls meet the floor or the bathtub, looking for cracks or mold. If either is found, clean and remove loose material and apply new sealant. If the shower walls or floor are tiled, a leak may develop if there are cracks or missing areas of grout.

Sinks – Check under the sink for signs of leaks from water supply lines or drainpipes.

Toilets – Placing inappropriate objects or too much toilet paper in the bowl can accidentally clog toilets, especially low-flow toilets now required in homes. Hanging bowl deodorants are frequently the culprits. These objects can lodge deep in the plumbing system, and can block the line or create an obstruction that grease and other materials can cling to – eventually causing blockage. In addition, some chlorine tablet cleaners may corrode some of the internal components, eventually leading to a leak.
Laundry/Utility Room
Washing Machine – Inspect washing machine hoses regularly for wetness around hose ends and signs of bulging, cracking or fraying. Replace the hose if a problem is found or every three to five years as part of a proactive maintenance program.

Water heater – Most water heaters last 10 to 15 years. Wet spots on the floor or a rusted tank may signal a problem. Hot water heaters should be installed on the lowest level of the home and always located next to a floor drain. If installed above or adjacent to finished spaces, the hot water heater should be placed inside a drain pan with the drain pan piped to the floor drain.

Air conditioning – At the start of the cooling season, have the A/C system serviced by a qualified contractor. Make sure their service includes inspecting and cleaning the air conditioner condensation pan drain line to keep it free of obstructions. Change the air filters on a regular basis.

There are always lots of opportunities in the Austin housing market. We are always pleased to talk with you about selling or buying homes. We want you to buy or sell only when it is right for you. Call or email us if we may be of service Info@CarolDochenRealtors.com