Chic vs. Geek: Going Net Zero @ Home

“Net zero” is what happens when the renewable energy you use to power your home matches the need, meaning you have no net impact on the environment. With new heating technology and lower-cost renewable energy systems, any home can get to net zero. Need help getting started? That’s why we’re here!

CHIC (PEARL)

Like any home improvements, there are upfront costs to going net zero, but an investment today could help lock in your energy prices for the next 25+ years. Roof-mounted solar is currently the most affordable way to generate your own energy. With a good financing plan, a photovoltaic (PV) system can deliver electricity at 60% to 70% of what you’re paying PG&E. And because of widespread adoption, solar has never been cheaper! You can also upgrade to efficient electric heating and cooling systems like heat pumps and floor coils.

GEEK (KEVIN)

When it comes to energy efficiency, there’s nothing like some good, old fashioned repairs and upgrades. First, check the air sealing on your home and shore it up where you can. This will give you the biggest bang for your buck year round. Combine that with better insulation, and you can save more money downsizing to a smaller heating/cooling system. And don’t forget to replace old, drafty windows and doors with high-performance, triple-pane brands or storm windows. This will reduce heat loss and provide plenty of natural light.

Chic vs. Geek: How do you flex?

Last week’s excessive heat wave caused flex alerts that asked Californians to conserve energy during peak hours from 4-9pm in order to prevent blackouts. What are some ways you cut back to help out?

CHIC (PEARL)

I’m not ashamed to admit that I’m in love with my air conditioning. But with rising energy rates and calls to conserve, I’ve also had to admit that it’s a luxury we can live without for a few hours a day. So we started pre-cooling our house before 4pm, preparing for the hottest time of day. At 9pm, we checked the air outside and either opened up all the windows or cranked that lovely AC. It may have been rough, but we’re lucky to have these options in the first place.

GEEK (KEVIN)

Anybody who knows me knows I love food, and dinner is a very important time of my day. I’m usually in the kitchen during flex hours, cooking with multiple burners, heating up the oven, and going in and out of the fridge and freezer. The flex alerts forced me to change up our routine, eating dinner later in the evening or DoorDashing from one of our favorite restaurants. It’s a great way to support local businesses while you’re flexing your power.

Let them eat mooncakes!

We may be in the middle of a late-Summer heat wave, but this weekend marks the Mid-Autumn Festival in Chinese and other East/Southeast Asian cultures. Also known as the “Moon” or “Mooncake” Festival, it dates back over 3,000 years and features lanterns of all shapes and sizes and tasty mooncake pastries.

Looking to impress your friends and family during the Mid-Autumn Festival? Thrillist put together a list of the best places to find mooncakes in San Francisco. Let us know your favorites!

Chic vs. Geek: Non-Contingent Offers

Contingent offers have been on the rise of late, indicating an increase of buyer power. But sellers still have the leverage to accept non-contingent offers. So what do buyers and sellers need to know?

CHIC (PEARL)

First and foremost with a non-contingent offer, a buyer may risk losing their deposit or paying other damages if they decide not to purchase after the offer is accepted. The buyer also loses their right to an inspection contingency, which could uncover issues that need correcting but become the buyer’s problem. The good news is that even with non-contingent offers, buyers have the right to cancel an offer if the seller does not provide a Transfer Disclosure Statement (TDS) beforehand or the TDS is updated or modified during the transaction.

GEEK (KEVIN)

It may be tempting for a seller to accept a non-contingent offer in order to have a quick turnaround, but there are plenty of snags that can get in the way. For example, it’s wise to verify if the buyer has the funds to make the down payment or buy the property outright. There’s no guarantee the buyer can get a loan or that an all-cash buyer can come through. And buyers who feel powerless in the purchase process are more likely to file claims and disputes that could hold up a sale for months, or worse, force you to take the property off the market entirely.

Chic vs. Geek: Homeowner’s Title Insurance

When you buy a home, Santa Clara County and most jurisdictions require you to purchase an insurance policy on your title, aka homeowner’s title insurance. While it may seem like an additional burden, you never know when you’re going to need it, and it’s important to know what it covers — and what it doesn’t!

CHIC (PEARL)

Even after your real estate company conducts a title search and explores all the publicly available details about a property, there is still a risk that new problems will arise. Title insurance can provide you with security against things like ownership claims from other parties including undisclosed heirs, flawed public records, false signatures on documents, including fraud and forgery, outstanding liens and lawsuits, judgments or encumbrances, and unrecorded easements or other restrictive covenants that reduce a property’s value.

GEEK (KEVIN)

As you can see from Pearl’s take, title insurance covers a lot, but it isn’t cheap, so it’s good to know where it comes up short. You won’t get any protection against infestations from termites and other pests, mold and mildew, fire or weather damage, underground fuel tanks (this comes up more often than you’d think), or any issues not caused by the previous homeowners. Depending on your location and the insurer, fire and storm coverage may be included in your homeowner’s insurance policy or offered as an add-on.