What You Should Know About Your Home and Your 2013 Taxes

It’s the last year for three sweet home tax benefits, but the first for a way simpler home office deduction.

By-The-Book-Taxes-CT-1These days few things start a fight on Capitol Hill faster than taxes. Despite the fact that three important tax benefits used by millions of American homeowners have expired, Congress is unlikely to do anything to re-up them any time soon.

So if you’re eligible, tax year 2013 is possibly the last time to claim the private mortgage insurance (PMI) deduction, the energy tax credit, and debt forgiveness benefit, all of which expired on Dec. 31, 2013.

At least there’s one piece of good news for homeowners: If you have a home office, there’s a new, simpler option for calculating the home office deduction for which you may qualify on your 2013 taxes.

Meanwhile, here’s what you need to know about those expired benefits as you ready your taxes:

PMI Deduction

This tax rule lets you deduct the cost of private mortgage insurance, which is what you pay your lender each month if you put down less than 20% on a home. PMI protects the lender if you default on the home loan. Your deduction could amount to a couple hundred dollars depending on your tax bracket and other factors.

Energy-Efficiency Upgrades

This sweet little tax credit lets you offset what you owe the IRS dollar-for-dollar for up to 10% of the amount you spent on certain home energy-efficiency upgrades, from insulation to water heaters. On the downside, the credit is capped at $500 (less in some cases). But on the bright side, the right improvement could lower your utility bills indefinitely.

Debt Forgiveness

When you go through a short sale, foreclosure, or deed-in-lieu, your lender typically lets you off the hook for some or all of what you owe on your mortgage.

That forgiven mortgage debt is income, on which you’d typically have to pay income tax.

Suppose you’re in financial distress and your lender agrees to let you short-sell your home, say for $50,000 less than you owe on the mortgage, and forgive you for the balance. Without the protection of the Mortgage Debt Forgiveness Act, you’ll owe income tax on that $50,000.

It’s likely if you had the money to pay income tax on $50,000, you’d have used it to pay your mortgage in the first place.

New Simplified Option for the Home Office Deduction

This may be the last year for the benefits above, but a new one kicks in for the 2013 tax year. If you work from home, you may qualify to use a new, simplified option for claiming the home office deduction when you file your 2013 taxes.

How much simpler is it? It lets you claim $5 per sq. ft. for up to 300 sq. ft. instead of having to compute the actual expenses of your home office using a 43-line form. To calculate the square footage of your office, just multiply the length of two walls. For example, an 8-by-10-foot room is 80 sq. ft. And at $5 per, that’s $400.

Although using the simplified option is obviously easier, the basic requirements for claiming the home office deduction haven’t changed. Your home office still must be used for business purposes:

  • Exclusively, and
  • On a regular basis.

Why Might the Tax Benefits Not Be Renewed?

Although the expired tax benefits were renewed retroactively in past years, that may not happen in 2014 because many in Congress would like to see comprehensive tax reform rather than scattershot renewals of individual provisions. This could delay a decision on the homeownership tax benefits until the big picture budget and tax issues are resolved.

So if you can, enjoy them now!

Whither Interest Rates?

If I knew the answer to that question with absolute certainty, I would be on the first flight headed for Las Vegas. Even so, the writing is definitely on the proverbial wall.

Each month for the past several years, the United States Federal Reserve (Fed) has been purchasing tens of billions of dollars in mortgage-backed securities so as to keep long-term interest rates artificially low, which in turn stimulated the housing market and the broader economy. As the economy improved, the expectation was that this buying program could eventually be stopped and interest rates would rise.

So, as stock prices surged and unemployment rates continued their gradual decline this past spring and early summer, mortgage rates climbed with them on the assumption that the Fed would finally feel that the economy had reached the point where it no longer needed the bond-buying program (currently $85 billion a month). The pull-back was thought to be coming at the Fed’s meeting in mid-September.

However, the Fed opted not to slow its bond purchases just yet. Congress then took us through a 16-day government shutdown and to the brink of default creating massive economic uncertainty. As a result, in the 30 days since the Fed’s September meeting ended mortgage interest rates have fallen by more than half a percent.

Will the Fed announce that it is at least reducing its bond purchases when it meets again at the end of October? Given the economic uncertainty generated by the budget wars being waged on Capitol Hill, the answer is probably not. But that day is coming, and when it arrives, mortgage interest rates will go up.

If you are even thinking about purchasing a home or know someone who is, now is the time to act. It could cost you hundreds of dollars a month in higher mortgage payments.

Thinking of Investing in Northern Virginia Real Estate?


Then you and Warren Buffett are in the same boat. Eighteen months ago Buffett told CNBC that he would buy millions of homes if he had a way to manage them. Why? Because he knows that over time real estate will out perform the stock market as an investment vehicle. Over the past 40 years, real estate has suffered negative appreciation in only four years, the worst of which was 2011 when real estate lost 13% of its value on average. During that same 40-year span, the S&P 500 stock index has experienced negative appreciation eleven times, including a 38% drop in 2011.

If you’re worried that real estate investing is game that only the rich can play, think again. In 2011 the median income of real estate investors was $86,100. Fifty-eight percent of these investors made less than $100,000 and 39% made less than $75,000. Fifty-six percent of all investors in 2011 lived in dual income households.

What were they buying? While you might think that most purchased vacation rentals, townhouses or condominiums that was not the case. Fifty-seven percent of the investment properties purchased in 2011 were detached, single-family homes. Three quarters of the properties were in small towns or suburban areas. Only 8% were resort properties.

As with any investment, investing in real estate requires knowledge of the market and a strong investment plan. Every investment property should be purchased with a specific goal in mind. The plan must fit whatever goals you have for the investment whether it’s paying for a child’s college education, building a retirement next egg, or generating cash-flow to help with current expenses.

If you would like to sit down and discuss how you can make money in real estate, we’re here to help with the analytical tools to insure that the properties you buy make sound economic sense based upon the goals you have.


Improve Your Insurance Score

Most people expect the cost of homeowners insurance to go up after a claim is  filed. But it may surprise you to know that how good you are at managing your  finances can have just as big an effect on your premium as the tree that fell on  your house.

Insurers look to your credit history to calculate an insurance score that’s  used to judge how much of a financial risk you are. The lower the score, the  higher the risk—and the higher the premium you’ll likely pay on your homeowners  insurance. Don’t despair. There are strategies, including paying bills on time,  that can help improve your insurance score.

Good credit pays off

Wondering what too many credit cards has to do with the limb that landed on  your roof? More than you’d think, it turns out. Several studies have found that your credit history is a good  indicator of how often you’re likely to file an insurance claim. Because more  claims translate into more expense for insurance companies, homeowners with low  insurances scores tend to be charged higher premiums.

Insurers claim the  use of credit-based insurance scores is fair and actually works in favor of  fiscally responsible consumers. A 2006 study found that 53% of Oregon  policyholders paid lower premiums on homeowners insurance thanks to credit-based  insurance scores. ECONorthwest, the group that conducted the research,  estimated the average annual savings for policyholders nationwide at $60.

How your insurance score is calculated

Your insurance score starts with your credit report, a history of your credit use.  What credit cards and loans do you have? What are the balances? How promptly do  you pay? Your report also includes information gleaned from public records such  as bankruptcies and liens. FICO is the best-known company that turns the  information in credit reports into credit scores. FICO credit scores range from 300 to  850.

Insurers are less concerned than lenders about your ability to pay  back a specific amount than your overall ability to manage money, says Allstate  spokesman Adam Shores, especially whether you make late payments and how long  since delinquencies took place. Your insurance claims history, as recorded in  your CLUE  report, also affects your insurance score. So can your age, the construction  of your house, and whether you’ve installed smoke detectors and other safety  equipment.

All of these data are crunched to come up with a numerical  insurance score. This is where it gets tricky for homeowners. There isn’t a  single source for insurance scores, and your insurer probably won’t tell you  your score even if you ask. Some insurers employ proprietary formulas. Others  use insurance scores calculated by companies like FICO and ChoicePoint, the  latter of which will sell you your score for $12.95. ChoicePoint’s Attract  insurance scores can range from 200 to 997, with a score over 776 considered  good.

Ways to raise your score

The most effective way to raise your insurance score is to improve your  credit score. You’re entitled to free copies of your credit reports annually  from the major credit bureaus: Equifax, Experian, and TransUnion. Order them and look for errors:  Is your Social Security number correct? Are all the debts and credit cards  yours? Do the balances jibe with your records? Errors can be disputed  online.

If the information on your credit report is correct, there are still things  you can do to improve your score. Paring down balances on credit cards is a big  plus. Paying bills by the due date is another major factor, accounting for 35%  of a FICO credit score. Time is also on your side. Most late payments are  removed from your credit report after seven years. A few major problems such as  a bankruptcy may stay on for a decade or more.

College Graduates: Six Financial Survival Tips for the Working World

college graduatesIf you are a recent college graduate, there is much to be optimistic about as you leave campus and head out into the real world. No one ever says life on your own will be easy, but post-graduate financial bliss can be a reality. These six tips from Thrivent Financial offer a starting point for recent graduates who are ready to put their education to work for a secure financial future.

Get real about your paycheck
Compared to the minimum wage jobs you survived on through college, the annual earnings at your first post-graduate job may give you dollar-sign eyes. Don’t be fooled though; after taxes, benefits, living expenses and student loan payments, your remaining monthly spending money could amount to less than half of your gross income. Being realistic about your paycheck doesn’t mean you can’t have any fun, though. That new car may have to wait a while, but with smart budgeting you can still enjoy the finer things in life with a clear conscience.

Your credit score matters
Thought you were done worrying about test scores? Think again. Whether you want to get an apartment, mortgage, car or a new job, your credit score says a lot about you and can make or break these important investments. Free credit reports are available at www.annualcreditreport.com, and for a small fee you can also obtain your credit score. Examine your report regularly for accuracy, and pay off any existing credit card debt as soon as possible. Credit card interest is wasted money, and outstanding debt can hurt your credit score.

Take care of yourself first
After expenses and taxes, your paycheck may look too slim for comfort, but protecting your assets, health and income is worth the additional cost. If you have an apartment, renter’s insurance is a relatively inexpensive way to protect your possessions. Health insurance is also a must, whether you get it through your employer or stay on your parents’ plan. Your paycheck is worth protecting, too. Disability income insurance is not just for those with physically demanding jobs, as most beneficiaries are on disability from illness, not injury. Preparation for the unexpected comes at a small price considering the costs associated with the alternative.

Save for the fun stuff
Again, being responsible with your finances doesn’t mean you can’t have any fun. You have worked hard to start your career, and deserve to reward yourself. The best way to spend smartly is simply to spend less than you have. Diligent saving allows for the occasional splurge without having to feel guilty or anxious about your decision to spend. Consider directly depositing a certain amount from your paycheck into a savings account for a “fun fund.”

Save for the grown-up stuff, too
Your parents’ nagging may start to quiet now that you’ve graduated, but their retirement planning advice is worth listening to. Start investing now, you won’t regret it. As you barely scratch the surface of your career, retirement seems a long way off, but successful investors understand that the longer your assets remain invested, the greater their potential for growth. The cash you forfeit now will pale in comparison to the amount you’ll end up getting back at the end of your career if you start as early as possible.

Don’t pass up free money
Many employers offer pretax savings through their retirement accounts. Because your retirement contributions come out before taxes, your taxable income is decreased, saving you money. For example, a $100 contribution from your earnings to a pretax retirement account would reduce your paycheck by only $75 if you’re in the 25 percent tax bracket. If your employer matches a percentage of your retirement contributions, it is wise to contribute the maximum amount of their match so as not to pass up on “free money.”

Money is just one of many aspects of adulthood that college graduates must meet head-on to start living independently. Personal finance may seem daunting, but don’t be discouraged. The above-mentioned tips boil down to common sense: spend less than you earn, stay protected through proper insurance, maintain good credit and save for the short and long-term, and you will be off to a great financial start in the next chapter of your life.

Red Flags: Be Wary of Mortgage Scams

With the uptick in mortgage and loan fraud in recent years, we tapped the Federal Trade Commission and continue our look at the agency’s list of red flags to help you stay safe from scam artists and fraudulent mortgage or loan purveyors.

The FTC says watch out for:

  • Fees that are not disclosed clearly or prominently. Scam lenders may say you’ve been approved for a loan, and then call or email demanding a fee before you can get the money.
  • Any up-front fee that the lender wants to collect before granting the loan is a cue to walk away, especially if you’re told it’s for “insurance,” “processing,” or just “paperwork.”
  • Legitimate lenders often charge application, appraisal, or credit report fees, but they disclose those fees clearly and prominently; they take their fees from the amount you borrow; and the fees usually are paid to the lender or broker after the loan is approved.
  • A loan offered by phone. It is illegal for companies doing business in the U.S. by phone; to promise you a loan; and ask you to pay for it before they deliver.
  • Always check a company’s phone number from an outside source, and verify they are who they say they are. And get a physical address, too — company that advertises a PO Box as its address is one to check out with the appropriate authorities.
  • Lenders not registered in your state. Lenders and loan brokers are required to register in the states where they do business. To check registration, call your state Attorney General’s office or your state’s Department of Banking or Financial Regulation.
  • A lender who asks you to wire money or pay an individual; legitimate lenders don’t ask anyone to do that. And don’t use a wire transfer service or send money orders for a loan — legitimate lenders don’t pressure their customers to wire funds.

Most importantly — if you think you’ve had an experience with an advance-fee loan scam, report it to the FTC at ftc.gov or call toll-free, 1-877-FTC-HELP.

Compile a Home Inventory with the Right Tools

A home inventory of your belongings for insurance purposes is a relatively  inexpensive way to make any future claims go smoother.

Creating a video record of your possessions is a good idea, especially if you  describe the items out loud as you record. Be sure to make backup copies as  well.

Creating a home inventory for insurance doesn’t need to be complicated. All  you really need is a pencil and paper. The key is to have a record of your  possessions in the event you experience a theft or casualty loss from flood,  fire, or other disaster.

But the more thorough the documentation of your belongings, the less likely  you are to run into problems when you file an insurance claim. That’s why you  should consider using a digital camera, fireproof safes, and other equipment to  create and store your home inventory. Devote a full day to the task.

Take pictures of your belongings

Photos of your belongings go a long way toward demonstrating ownership and  value. Be sure to get full-room shots, as  well as close-ups of items. Don’t neglect to photograph possessions inside  drawers, cabinets, and closets.

Video is even more convenient and effective, especially since you can record  audio along with the images. Describe items and any identifying details as you  film your home room by room. It’s a good idea to keep backup copies of digital files and hard-copy  printouts in a safe place. (More on storage options below.)

Prepare a written home inventory

Images alone aren’t enough. You should also prepare a written home inventory.  Your insurance company will likely ask for one if you ever file a claim. Include  as much identifying detail as possible, such as serial numbers, brand names,  purchase dates, and estimated costs. Keep a copy off-site, perhaps with a friend  or in a bank safe-deposit box, in case your home is damaged or destroyed.  Download a free home inventory worksheet to get started.

Home inventory software is also available. Enter information on your  possessions, attach digital images, and store the data electronically. The  Insurance Information Institute has a free program called Know  Your Stuff, or there are a number of programs available for purchase.

Be sure to attach receipts to your home inventory list. If you’re storing  your records electronically, you’ll want to scan receipts at a copy and print  shop or purchase a scanner. Digital copies of receipts come in handy if originals are damaged or  lost.

Safe ways to store your records

When backing up digital files, a USB drive can be useful. Simply copy  the files onto the drive and keep it somewhere safe, preferably away from your  home.

You can also stash a drive in a pre-packed emergency “go” bag, which should  be accessible in case you need to evacuate quickly. An external hard drive can  perform the same function, though it’s less portable.

You can use a bank safe-deposit box to store paper records, drives, and other  valuables off-premises.

If you like to keep important documents closer at hand, consider a fireproof  safe, which is usually waterproof as well. You can find small safes for as  little as $50, but a more representative range for good residential fireproof  safes is $150 to $300. Larger, high-end safes can cost more than $1,000.

When your home inventory files are electronic, it’s relatively easy to use  online backup systems to keep digital copies outside of your home. That’s a big  plus if your computer is stolen or destroyed. Some backup services like Mozy offer limited storage space for free, while others like Carbonite  charge $5 or more per month. Choose a backup service whose features fit your  needs.

New Rules, Fewer Runarounds for Mortgage Borrowers

Here is a recent update from the Consumer Financial Protection Bureau on new rules established for the mortgage servicing industry to begin taking effect in 2014:

When you take out a mortgage loan to buy a home, you trust the mortgage servicing industry to work. Mortgage servicers are responsible for sending you bills, processing your payments, answering your questions, and addressing any problems that may arise. When servicers fall down on the job, that can have serious consequences for consumers. People who are behind on their mortgages may not know what options they have. Bills may show up with unexpected and expensive charges. People who need more information may not be able to get it in a timely manner.

Today we are issuing two new rules to make this market work better for America’s homeowners. Director Cordray announced them this morning in Atlanta.

When we proposed these rules back in August, we said we wanted to put the service back in mortgage servicing. The two final rules we’re issuing today are designed to do just that. The result of these new rules will be a market with fewer surprises and runarounds for mortgage borrowers.

Here’s some of what’s new:

Space for consumers to pursue alternatives to foreclosure

Borrowers fall behind on mortgage payments for a variety of reasons. Sometimes they can make up these payments quickly. Sometimes they need to figure out an alternative payment strategy. Sometimes they face the loss of their homes. But in any of these circumstances, they should know what avenues are available to them.

  • Restrictions on dual tracking: Dual tracking is the term used when servicers move forward on a foreclosure at the same time they’re working with the borrower to avoid foreclosure. Many consumers report that they have discovered too late that they were foreclosed on by the same servicer they were working with to find an alternative. Under the new rules, servicers cannot begin foreclosure proceedings against you until your payments are 120 days behind.
  • Pursuing modifications and other loss mitigation: The dual tracking restrictions give you time to assess your situation and apply for a modification or other option that may be available to help you. If you apply within the 120-day window, the servicer cannot begin foreclosure until your application has been addressed. If you and your servicer come to an agreement on an option, the servicer cannot start foreclosure proceedings unless you don’t uphold your end of the agreement. Even if you apply after you’re already facing foreclosure, your servicer cannot complete the foreclosure while your application is pending so long as you submit it at least 38 days before the foreclosure sale is scheduled.

Regular, clear communication from servicers

Who services your mortgage, how to get in touch with them, and what you owe should not be mysterious. The new rules include requirements to improve the communication from servicers to mortgage borrowers.

  • A periodic statement for homeowners: One of the new requirements defines a periodic statement for residential mortgages. The statement comes every billing cycle and covers basics like an explanation of the amount due, payment and transaction history, account information, and contact information for the servicer. It doesn’t apply to some mortgage types (like reverse mortgages), but it does apply to most home purchases and refinancings. The servicer does not have to provide you with a monthly statement if you have a fixed rate loan and pay with a coupon book, but the information that would be on the monthly statement needs to be available to you.
  • Early outreach when a borrower falls behind: If you become delinquent, the servicer has to make a good faith effort to reach out to you. The servicer also has to assign people to your case and make those people available by phone so you have a clear and consistent point of contact.
  • Warnings before interest rate adjustments: If you take out an adjustable rate mortgage, the servicer must notify you about the first interest rate adjustment at least seven months in advance of when you owe a payment at the adjusted interest rate. The servicer has to provide an estimate of the new interest rate and payment amount, alternatives available to you, and how to access a HUD-approved mortgage counselor. In addition, for the first interest rate adjustment, and all subsequent rate adjustments that result in a different payment amount, servicers must send you an additional advance notice telling you what your new payment will be.

Managing information and processing payments

  • Good information and good records: Servicers should provide correct information about mortgage loans, whether that’s to a borrower, an investor, or a court during foreclosure. The new rules require policies and procedures to ensure servicers can provide accurate and timely information about the mortgage. They must keep records on all mortgages they service for a year after someone pays off a mortgage or after someone else takes over servicing the mortgage.
  • Crediting payments in a timely manner: When you make a full payment, the servicer must credit it to your account as of that day. If you request a payoff statement in writing, the servicer has seven business days to issue the statement.
  • Error resolution: When there’s a mistake, you should be able to get it fixed in a timely manner. If you write to your servicer to address what you believe to be an error, the servicer should reply in a timely manner. The new rules set timelines and procedures for servicers to investigate and correct errors.

Force-placed insurance

Force-placed insurance is insurance that the servicer buys on the property when the borrower no longer has property insurance. Without insurance, whoever holds the mortgage would be at risk if the house were to be damaged or destroyed. But the borrower may actually be responsible for the costs of the force-placed insurance policy. This has led to unexpected or duplicate expenses for people who already have their own insurance policies. Under the new rules, servicers need a reasonable basis to believe borrowers lack their own insurance, and they must determine this on a case-by-case basis. The servicer also has to notify the borrower before purchasing the force-placed insurance policy and annually before renewing the policy.

These rules take effect early in 2014, along with three of the rules we issued last week. We’ve developed a page for the new rules where you can learn more about the new rules, including a detailed summary. Watch the page for new resources to help you understand the rules and their implications in the days to come.

For more, see the CFPB website.

Budgeting: A Visual Guide to How Small Cutbacks Lead to Great Savings

Budgeting doesn’t have to be hard.You don’t even need to be tied down to the idea of “making a budget.” Saving money can be as simple as making a few small changes at home. This infographic shows you easy, convenient ways to save up to $8,800 a year, without ever feeling the pinch of a restrictive budget.

Budgeting-How Small Cutbacks Lead to Great Savings

Personal Finances from Quicken

Green Up Your Home for Health and Savings

Did you know we spend as much as 90 percent of our lives indoors and that indoor pollutant levels are often two to five times higher than outdoors? Using the principles of green design will significantly improve your home’s indoor environment, leading to better health and well-being for your family.

Simple changes make a big difference. “Many principles of sustainable design and green building can be easily incorporated into your existing home without extensive remodeling,” says Lilia Gomez-Lanier, interior design faculty at The Art Institute of Atlanta – Decatur, a branch of The Art Institute of Atlanta. Plus, such improvements can save you money.

Here’s how.

  • Water conservation:  “Efficient use of water has become a national as well as a regional concern,” says Robert Brown, interior design faculty at The Art Institute of Tennessee – Nashville, a branch of The Art Institute of Atlanta. When replacing appliances or fixtures, look for those that use less water, such as low-flow faucets and shower heads, dual-flush toilets, front-loading washing machines and newer models of dishwashers with two drawers, so you can run small loads. Using less water can add up to big savings on your water bills.
  • Air quality:  With many Americans suffering from asthma and allergies, indoor air quality is more important than ever. Household pollutants like mold, radon, carbon monoxide and toxic chemicals from building materials, household cleaners and pesticides can be health risks. Start by reducing dust and improving ventilation. Clean furniture, floors and carpet regularly. Consider cleaning and sealing heating, ventilation and air conditioning (HVAC) systems. Ensure that range hoods, bathroom fans and gas fireplaces vent to the outdoors. Eliminate sources of asbestos and lead, and eliminate or properly store air fresheners, pesticides, certain cleaning products and paint, which can emit pollutants. When you redecorate or renovate, look for low- or no-VOC (volatile organic compound) paints, stains, adhesives, carpets and hard surface flooring, as well as wood and bamboo products manufactured without formaldehyde.
  • Energy conservation: “Energy efficient appliances save you money in your electrical bill, and there may be tax incentives for switching to more efficient systems,” says Leslie Roberts, interior design faculty at The Art Institute of Charleston, a branch of The Art Institute of Atlanta. She recommends using a heat pump and a programmable thermostat, adding insulation in walls, ceiling and floor, and insulating windows, window treatments and floor coverings. Gomez-Lanier adds, “Introduce an attic fan and ceiling fans to circulate air and cool the house with less energy. Use heavy draperies to eliminate a lot of direct light and heat.” And don’t forget energy-efficient light bulbs.
  • Renewable resources:  When remodeling or redecorating your home, reuse existing furniture and building materials where possible. Used furniture – either your own or items purchased at a garage sale or second-hand store – can often be reupholstered and refinished to look new. At architectural salvage stores you can purchase doors, windows, hardwood floor planks and more. When using new materials, Roberts says, “Choose materials that are produced from rapidly renewable resources, such as wool rugs, bamboo or cork tile flooring.” Though these products sometimes cost more, they generally last longer and are a better investment over time. Purchasing materials with recycled-content is also an environmentally sound choice, helping ensure that recycled materials will be used again to manufacture new products. You can easily find construction materials with recycled content, including drywall, insulation, plastic lumber, kitchen countertops, glass tiles, carpet and padding – even steel.
  • Help in making green choices in your home:  A Leadership in Energy and Environmental Design (LEED)-accredited interior designer can help you make sound environmental choices for your home and prevent expensive mistakes. An interior designer who has achieved this accreditation knows effective green design solutions and keeps up with the newest information about sustainable products.

Start going green at home today. Your family, your wallet and the planet will thank you.