Making Room for Parents
The emotional and financial advantages of opening your home to a parent can be great. You won't have to stress about whether they are taking proper care of themselves - you'll be able to see for yourself and help as needed. And if your mom or dad becomes frail or chronically ill, neither one of you will have to pay the $30,000 or so a year that the average assisted-living facility costs.
The preparation steps range from minor remodeling projects (such as installing handrails or brighter lighting) to major renovations (like building a separate apartment), with costs from a few hundred dollars to much more than a hundred thousand.
If done right, these changes can even help, or at least not harm, your home's value. And there's a bonus: You'll end up with a space that not only is comfortable for your mom or dad now but may also make it possible for you to continue living independently in your home as you age.
First, figure out what you'll need. Then, decide how you'll pay for the renovation. If the renovation costs seem shocking, bear in mind that there may be resources available to help you pay. You may be able to use the proceeds from the sale of your parents' current home to finance a remodel. Whatever you do, don't use the funds from your retirement stash. Take care of your own finances first, so your kids won't be picking up the tab for you someday.
Put a premium on safety. Falls are the No. 1 cause of injury among the elderly, and most of them occur in the bathroom. The best solution is to spend $50 to $300 to install grab bars in the bath and shower. Check that the label says they meet the Americans with Disabilities Act guidelines for safety.
Use adhesive safety strips on the bottom of the tub or shower floor instead of plastic mats, which can slide easily, and use nylon mats with nonskid backing on the floors.
Poorly lit hallways are another danger area, so spend $250 to have an electrician install a light at each end of any hallway that runs 15 feet or more. You'll also want to get rid of throw rugs and replace plush wall-to-wall carpeting, which can become a tripping hazard, with flat and tightly woven material.
Eliminate entryway barriers. At the very least, you'll need to get rid of steps and curbs that can be especially troublesome in winter weather. You'll pay $1,500 each to make doorways wide enough to fit a wheelchair or walker. Look into installing doors with swing-clear hinges, which cost about $75 and can add an extra inch or two of space.
Consider the comfort factor. Under-the-cabinet kitchen lighting is a godsend for aging eyes. Custom jobs can run in the hundreds, but stick-on lamps that plug into an outlet sell for as little as $50.
You can install lever door handles, which are easier for arthritis-riddled hands to use than traditional doorknobs, for about $20 to $30 each. In the end, knowing your parent is safe under your roof can be worth the extra cost and aggravation of revamping your home.
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Fix-ups That Can Speed Your Home Sale
You don't have to spend a fortune renovating your house to ensure a quick sale at the best price. Some of the most effective fix-ups are also the cheapest.
Spending just $400 to $500 on fresh landscaping, for example, can boost your home's value by $1,600 to $1,800, according to a survey of real estate agents conducted by HomeGain, an Internet real estate service. Spend another $300 on cleaning and de-cluttering your home, the survey found, and you could add another $2,000 or more to the sale price.
To pinpoint the projects that make the most sense, start by touring your property with fresh eyes, as if you were a prospective buyer. Drive or walk up to your house and see how it appears from the street. Walk through the front door and take a look around. You might ask a trusted friend to help you spot problems, clutter and weird smells that you've long since stopped noticing. Keep a pen and pad handy to list the projects that need to be done.
Here are some more tips to watch for and think about…
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Choosing a Real Estate Appraiser
If you plan to finance your home through a bank or other lender, you’ll more than likely need to get the property appraised first. Banks and most lenders want to know the value of the home for your protection, as well as make sure that the home they are financing is worth the total amount that you take on the loan.
The appraisal usually indicates that the home meets or exceeds the asking price. In some cases however, the appraisal will come back saying the home is worth less than the asking price. If this happens, the buyer normally has to either drop the deal or try to negotiate with the seller to get a price that meets the appraisal.
When you are buying a home, one appraisal can make or break the deal. Even if you're not financing your purchase through a lender or a bank, you should still get the home appraised and find out the true value. You should also make a point to find the best appraiser you can afford. If you hire an appraiser who isn’t that experienced, you’ll pay for it later when you discover the property isn’t worth what you paid for it.
When you look for a real estate appraiser, look for someone who comes highly recommended. Ask family and friends for their opinions, or search local papers, ask your real estate agent, even search the Internet. If you take your time and search for the best real estate appraiser that you can find – you’ll normally get an appraisal that is right on target.
If you have a question or comment about real estate appraisers, post it below by using the comment link.
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