Tuesday, December 29, 2015

Is a surveillance camera right for you?



Many people turn to surveillance cameras as a way to make their home and office more secure. There are so many different types of security measures on offer, however, that it can be hard to know which is the right type of equipment for your needs. This article explores the different security measures and tools available and what the advantages and disadvantages of each of them are.



CCTV cameras can be attached to the outside of the building, can be placed over the door step, can be placed inside or can be entirely hidden from view. There are even dummy cameras available that provide a good deterrent aspect but don't actually incur any additional cost of filming. All cameras that can be seen work well as a deterrent. A burglar is far less likely to break into a home when there is the chance they will shown doing so on video surveillance footage. CCTV cameras don't necessarily sound an alarm however if security is breached in some way. In this respect they may be able to film a crime being committed but they won't necessarily be able to put a stop to it. Having the footage available however does mean there is more chance of getting your things back if they have been stolen.



Burglar alarms are another way that people add security to their homes. These have a large number of problems however. First of all burglaries are usually very quick and the perpetrator can be long gone by the time the police or a security firm have arrived on the scene. Secondly the alarm can in some cases be stopped by simply locating the control panel and breaking it. Cats and other animals can also sometimes trip the alarm when they jump through an open window, which can cause problems for everyone.



The ideal solution is to have both surveillance monitoring of some kind as well as a motion sensor, this way you get the best of all worlds. If this stretches the budget too far however then it is better to simply go with some kind of camera equipment. This provides the best value for money in terms of security. In the past it was just the wealthiest members of society who were able to afford security equipment such as cameras, but these days the prices have come down and now everyone can benefit. Nanny cameras and hidden indoor cameras are another very popular type of security surveillance. Camouflaged cameras can allow you to see things that you would otherwise not be privy to. Parents like to be able to check their nannies are caring for their children well, employers like to be able to check everything is just as it should be in the workplace.



Another scenario in which hidden cameras are ideal is for the use of gathering evidence. If you are being targeted or victimized, having hard evidence to show the police can mean something can be done. Without the proof however the police may be hesitant to take any real action. There is no doubt that cameras are a valuable and versatile security tool. Surveillance can assist in a number of different ways to keep everyone safe and free from harm. If you are unsure of what type you need the first step is to define what exactly you want the security camera for and then decide how much you are willing to spend.



When you search online you will find a host of companies offering surveillance camera equipment and monitoring devices. Make sure you buy from a reputable company with a good website. There is more choice online than in high street shops so it is best to buy your equipment here. From a wildlife camera to tracking devices, go online to find out what is available and get the best prices.




Cook up a whole new look for your kitchen



We spend hours in the kitchen socializing, keeping the family organized, and, of course, cooking and eating. As the center of the home's activities, the kitchen should be as fun as it is functional. With just a few supplies and a free weekend, you can cook up a whole new look for your kitchen.

Warm up the walls
Changing the color and texture of walls is an easy way to add some spice to any kitchen. Paint the walls a deep red or blue for a dramatic look, or make your space feel light and airy with a coat of sunny yellow or subtle taupe. Feel free to experiment with decorative painting techniques, such as stripes, geometric patterns or textured finishes.

After you've freshened up the color and texture of your walls, express your personal style through a few new accessories. An antique clock, a picture collage or shelves with colorful canisters are decorative, as well as functional.

Change up the cabinets
Liven up basic cupboards by switching the hardware - it's a simple way to give your existing cabinets a whole new look. Use crystal knobs for a vintage touch, or add stainless steel handles for an ultra-modern, sleek appearance.
And, don't forget about the functional aspect of your cupboards - install shelf liner to ensure cabinets stay clean and well-maintained. Shelf liner protects cabinet shelves and drawers from wear and tear, prevents scratches and keeps spills or drips from damp dishes from causing damage to surfaces.

"I recommend using shelf liner in any kitchen renovation project," says Danny Lipford, home improvement expert and host of the Today's Homeowner with Danny Lipford television series. "It's simple for any homeowner to install and can be easily cleaned with a damp cloth or thrown in the washing machine. My favorite is Easy Liner from Duck brand - it offers an array of non-adhesive and adhesive shelf liners that are stylish and practical for use in any kitchen."
Cook%20up%20a%20whole%20new%20look%20for%20your%20kitchen The most popular variety, Smooth Top Easy Liner has a smooth surface that catches messes and spills as they happen, making clean-up a breeze, while the non-slip, gripped underside keeps the liner firmly in place.

Transform your table
Create a delightful dining space with a few changes to your kitchen table. Use a staple gun and a bright fabric to recover your chairs, making items you already own look like new additions to your home. You can even create a new tablecloth using the leftover fabric. Then, design your very own placemats using Smooth Top Easy Liner for a decorative touch that's easy to wipe clean as well as replace.

Make sure to add a chic centerpiece - a vase of fresh flowers, a glass bowl filled with fruit or a collection of candlesticks - to transform your existing tabletop and create a focal point for guests as they enter the room.

Brighten the basics
Adding color from floor to ceiling is a great way to improve the overall feel of your kitchen. To start, try adding accessories to areas of your kitchen that feel blase. Bring in color at the highest points of the kitchen by adding faux plants or interesting knickknacks to the space above cabinets. Then, look low and consider the floor. Placing a colorful area rug beneath the table can bring additional interest and color to the kitchen, while also protecting the floor against scratches.

Window treatments are another effective, eye-catching way to make any kitchen pop, whether you're adding new valances, cornices or even long panels. When choosing fabrics, make a statement with bright colors, or choose an unexpected, bold pattern for a contemporary approach. Sophisticated stripes, pretty plaids or fun florals are also a nice choice for kitchens. Follow these tips to make your kitchen as chic as your dinner is delicious - you'll create a flavorful design that will look good enough to eat.



Wednesday, December 23, 2015

Mold woes? Manage moisture through better ventilation





The Centers for Disease Control and Prevention say that mold can cause reactions that range from mild (stuffy nose, itchy eyes or skin irritation) to severe (fever, shortness of breath and chronic lung ailments). In extreme cases, the mold can even infect a person's lungs. Studies have also suggested a link between mold exposure and the development of asthma in young children, the CDC notes.



Mold and moisture



So what causes mold to take root in your home? In a word: moisture.



Mold spores are everywhere, and when they land on a wet or damp surface they can begin to grow. That means mold tends to grow in areas of your home that are more humid, such as in the bathroom, a below-grade room, the kitchen or garage. Mold can also grow in hidden places, such as between walls where a water leak has occurred and gone undetected for some time.



"The key to mold control is moisture control," the U.S. Environmental Protection Agency says on its website. The EPA says you should clean up mold right away and eliminate the source of moisture that allowed the mold to grow.



Managing moisture



Managing excess moisture in your home can help prevent the growth of mold. In addition to monitoring your home regularly to catch plumbing or roof leaks quickly, improving ventilation can help control moisture and improve overall indoor air quality.



"Places that are often or always damp can be hard to maintain completely free of mold," the EPA notes. "If there's some mold in the shower or elsewhere in the bathroom that seems to reappear, increasing ventilation (running a fan or opening a window) and cleaning more frequently will usually prevent mold from recurring, or at least keep the mold to a minimum."



For more effective, economical passive ventilation, a fresh-air skylight can help reduce humidity and stale air. When open, Energy Star-qualified, no leak solar-powered fresh-air skylights, like those made by Velux America, can allow excess moisture and unhealthy fumes to escape your home. When closed, the bright sunlight that skylights admit into your home can help dry out damp areas. Skylights are a great option in damp rooms, such as bathrooms, where privacy concerns mean an open window is impractical, or in rooms where adding a window or venting fan may not be plausible, such as a garage. Add remote controlled solar powered blinds to solar powered fresh air skylights to your home and the products, as well as installation costs, are eligible for a 30 percent federal tax credit. To learn more about no leak skylights and how they can help improve indoor air quality, visit www.veluxusa.com.



Removing mold



If you discover mold in your home, it's important to remove it quickly - even if it just seems like a harmless amount growing in a corner of the shower. Mold can spread quickly. You can probably handle a minor problem yourself, using commercially available cleansers to remove the mold from affected surfaces. More severe infestations that affect drywall, wood or other parts of the home's structure, will likely need to be handled by a professional.



If mold has damaged parts of your home, remove and replace those parts. Monitor humidity levels in your home and make sure all rooms - especially those where a problem has occurred - have adequate ventilation. The CDC recommends homeowners take steps to prevent future mold growth, such as using an air conditioner and dehumidifier during humid months, and adding mold inhibitors to paint before repainting rooms.



Mold will never be anyone's idea of a welcome house guest, but with preventive steps such as improving ventilation to control moisture, you can ensure you never again have to fear those three little words: "you have mold."



Wednesday, December 9, 2015

Simple water-saving tips can have a big impact on your wallet



The average household spends as much as $500 per year on its water and sewer bill, but by making just a few simple changes to use water more efficiently, you could save approximately $170 per year and help the environment, according to the U.S. Environmental Protection Agency.



From replacing inefficient appliances, to taking small steps at home to eliminate water waste, you can make a huge dent in your water usage and save some cash. Here are some easy tips to follow:



Bathroom blunders



Did you know toilets are the single largest water-user in a home? A leaky toilet can waste 200 gallons of water per day, and it is estimated that nearly 20 percent of all toilets leak, reports the EPA. Slow leaks can go undetected for years, but there is an easy way to check yours at home.



Start by adding a few drops of food coloring to the toilet tank. If you have a leak, you'll start to see that color come through in the bowl within 15 minutes. Flush immediately after you're done so you don't stain the porcelain. If you can't fix the leak, consider purchasing a high-efficient toilet like the Kohler Persuade two-piece toilet.



What makes this toilet so efficient is Dual Flush technology, which includes a 1.6-gallon flush and an eco-friendly .8-gallon flush option. The Persuade toilet can save as much as 6,000 gallons of water annually over a traditional 1.6-gallon toilet.



Kitchen conundrums



Have a leaky faucet in your kitchen? According to the EPA, a drip rate of just one drip per second can waste more than 3,000 gallons of water per year. So even if it seems like a small leak, it could be costing you big time. Many faucets can be easily tightened and fixed to eliminate leaks - otherwise, consider installing a new WaterSense-labeled faucet.



Dishwashers can be another huge water drain. Remember to only run loads when the dishwasher is full, or invest in a dishwasher with a half-load cycle option, like most of the new Bosch dishwashers. Use this cycle or the express wash when washing small, lightly soiled loads. The auto wash programs use sensors to dramatically reduce energy and water consumption every time.



Lawn leaks



Having a green, lush yard is something to be proud of, but if you're not watering the smart way, you could be letting your money evaporate into thin air. The average single-family suburban home uses at least 30 percent of its water for outdoor irrigation and as much as 70 percent in dry climates.



If you want an efficient home, consider some smart-watering techniques. Start by only watering your lawn or garden during cool morning hours to reduce evaporation. If you use a sprinkler, make sure it's positioned correctly and not watering the street or driveway.



If you do plant a garden, only select plants appropriate for your region's climate. Native plants can be a great option because they often require little additional water since they grow naturally in your area. Group plants together based on their water needs.



For more smart tips about reducing water waste in your home, visit www.lowes.com/efficienthome . Remember that saving water can be easy, and you're sure to love the extra savings in your wallet too.



Wednesday, December 2, 2015

Adding or replacing deck railings a great do-it-yourself project



Adding a good railing system to a deck can add a variety of positive aspects for homeowners. The style, color and placement of a railing system can make an outdoor living space look sophisticated and stylish.
Whether a railing is designed for personal pleasure, to meet a building code before selling or renting, to increase the value of a home, or an old outdated railing needs to be replaced, the do-it-yourself method can be the best route for your stress level and your wallet.
The first thing to consider before you purchase materials for a do-it-yourself railing project is the style and color. If the idea of staining and painting a railing is not appealing, a wooden railing may not be the best option. You may want to consider a composite railing.
Composite railings are gaining popularity for all different styles of homes. When installed according to the manufacturer's installation instructions, composite railing offers similar support and safety to a wooden railing and is low maintenance because of the exterior of the product. Like a wooden railing, the colors of a composite railing can be chosen to complement, balance or offset the deck and the styles can provide a rustic look or add polish for the outdoor living space.
Some composite railings systems are designed for do-it-yourself projects, and many railings are offered in a variety of colors so that color coordinating with a home's exterior is easy. Certain lengths of composite railings also offer support and strength without the requirement of metal reinforcements which makes them easier and less of a hassle to install.
To ensure that the aesthetic beauty of a deck will be enhanced by a railing system, consider using a brand that comes complete with options like hidden fasteners, a variety of railing lengths, fixed-angle bracket adapters and stair kits. Using a brand with a variety of different options will help ensure that your deck is unified and appealing to the eye.
Adding%20or%20replacing%20deck%20railings The post mount is also a consideration when deciding on a brand of railing. Different brands will offer different post mounts. Some will offer products that contain post mounts that work with a variety of different surfaces, such as wood or concrete.
TAMKO Building Products, Inc. offers the TAM-RAIL Railing System which is designed to make installation fast and easy which makes it ideal for a do-it-yourself project. It is a patented triple-layer railing system that offers incredible performance and protection that is conveniently packaged in kits for easy merchandising, selection and assembly. The system features thick walls and a foamed composite core for added strength, all in a product that is light in weight and low-maintenance. The 25-year limited warranty includes a five-year full start period and TAM-RAIL composite railing materials are building code approved when installed correctly and according to TAMKO's installation instruction.
With different color options such as white, grey or taupe, TAM-RAIL is an attractive option of composite railing that has recently been formulated for even greater strength and durability. Colonial and square balusters make these railings distinguishable from other composite railings and post caps are available in New England Post Cap or Pyramid Cap styles. These systems also offer the option of hidden fasteners, a wide variety of railing lengths, fixed-angle bracket adapters, and stair kits.



Adding or replacing deck railings a great do-it-yourself project



Adding a good railing system to a deck can add a variety of positive aspects for homeowners. The style, color and placement of a railing system can make an outdoor living space look sophisticated and stylish.
Whether a railing is designed for personal pleasure, to meet a building code before selling or renting, to increase the value of a home, or an old outdated railing needs to be replaced, the do-it-yourself method can be the best route for your stress level and your wallet.
The first thing to consider before you purchase materials for a do-it-yourself railing project is the style and color. If the idea of staining and painting a railing is not appealing, a wooden railing may not be the best option. You may want to consider a composite railing.
Composite railings are gaining popularity for all different styles of homes. When installed according to the manufacturer's installation instructions, composite railing offers similar support and safety to a wooden railing and is low maintenance because of the exterior of the product. Like a wooden railing, the colors of a composite railing can be chosen to complement, balance or offset the deck and the styles can provide a rustic look or add polish for the outdoor living space.
Some composite railings systems are designed for do-it-yourself projects, and many railings are offered in a variety of colors so that color coordinating with a home's exterior is easy. Certain lengths of composite railings also offer support and strength without the requirement of metal reinforcements which makes them easier and less of a hassle to install.
To ensure that the aesthetic beauty of a deck will be enhanced by a railing system, consider using a brand that comes complete with options like hidden fasteners, a variety of railing lengths, fixed-angle bracket adapters and stair kits. Using a brand with a variety of different options will help ensure that your deck is unified and appealing to the eye.
Adding%20or%20replacing%20deck%20railings The post mount is also a consideration when deciding on a brand of railing. Different brands will offer different post mounts. Some will offer products that contain post mounts that work with a variety of different surfaces, such as wood or concrete.
TAMKO Building Products, Inc. offers the TAM-RAIL Railing System which is designed to make installation fast and easy which makes it ideal for a do-it-yourself project. It is a patented triple-layer railing system that offers incredible performance and protection that is conveniently packaged in kits for easy merchandising, selection and assembly. The system features thick walls and a foamed composite core for added strength, all in a product that is light in weight and low-maintenance. The 25-year limited warranty includes a five-year full start period and TAM-RAIL composite railing materials are building code approved when installed correctly and according to TAMKO's installation instruction.
With different color options such as white, grey or taupe, TAM-RAIL is an attractive option of composite railing that has recently been formulated for even greater strength and durability. Colonial and square balusters make these railings distinguishable from other composite railings and post caps are available in New England Post Cap or Pyramid Cap styles. These systems also offer the option of hidden fasteners, a wide variety of railing lengths, fixed-angle bracket adapters, and stair kits.



Monday, November 23, 2015

Make exterior trim part of home remodeling



(BPT) - As existing home sales continue to climb and housing prices increase, remodeling is also on the rise, according to the Joint Center for Housing Studies of Harvard University. Owners of older homes are investing more in home improvement projects that add beauty and value, especially with environmentally friendly products.



Most homes, no matter how well maintained, will need some exterior trim replaced from time to time. Traditional wood trim boards can split, crack and rot over time, as a result of damage from the rain, snow, wind and sun.



Replacing old or damaged exterior trim with engineered wood composite trim is one way homeowners can preserve design integrity, while remaining committed to green building principles.



Check your exterior trim



Take a few minutes this spring to walk around your house and inspect your exterior trim. Look closely at the trim around your windows and doors, at the corners, and near the roofline. Pay special attention to peeling or blistering paint, green algae, warped boards, and spongy or soft spots. Also, check for termite damage, which creates more damage to U.S. homes than fire, floods and storms combined.



There are several options for replacing your existing trim. Although traditional wood trim often looks good when first installed, it can split and swell, and is prone to knots and defects. Other materials, like PVC and fiber cement trim, have performance limitations and may pose installation challenges.



"Like many home products, exterior trim has evolved over the years," says Peggie Bolan, vice president, building products, for JELD-WEN. "Today, homeowners can choose engineered products that last long and provide resistance to moisture, rot, termites and temperature extremes not found in other materials."



During extensive renovation of their 1830s Greek Revival-style farm house in Clifton Park, N.Y., Paul and Joanne Coons used more than 1,000 linear feet of MiraTEC Treated Exterior Composite Trim around windows, doors and other areas.



"We reviewed several trim options, but we liked MiraTEC because it is a wood composite that doesn't contain oil or vinyl like PVC trim, and it is manufactured with less embodied energy than products like fiber cement, which also creates a lot of silica dust when it's cut," says Paul Coons, who is also a retired director of environmental health and safety from the New York State Office of Mental Health.



With a clear cedar, wood grain texture on one side and a contemporary smooth finish on the other, MiraTEC trim suits any home style. It is most often used for roofline fascia, soffits, window and door trim, corner trim, dentil, gables, column wraps, trim along porches and similar architectural components.



Joanne Coons, an environmental science teacher at Shenendehowa High School East, adds, "MiraTEC trim fit well with our priorities - it is not only a green product but it also provides a nice, clean look that complements the home design. Overall, we also anticipate low maintenance and less frequent painting compared to wood."



Replacing your exterior trim is a great way to give your home a nice, clean new look. And, it can be done with the environment in mind. To learn more, visit www.miratectrim.com.



Sell your home faster with these cost-effective staging tips





Fortunately, many of the most effective staging trips are also inexpensive, from a thorough cleaning to decorator details. Here are five staging tricks that don't cost a bundle:



1. Cleanliness counts - Nothing turns off buyers faster than a dirty house. Before you list your house, give it a thorough top-to-bottom cleaning - something that costs nothing but the price of supplies if you do it yourself and a couple hundred bucks, tops, if you hire pros to do it for you. Don't overlook little details like baseboards, ceiling fans, blinds and shower doors. Include decluttering in your cleanup efforts, and remove excess items from your home, even if you have to rent a storage unit to do it.



2. Work those walls - Painting is one of the cheapest, easiest ways to help your home look fresh and great. Choose neutral colors that will appeal to the broadest range of buyers. Don't forget that neutral doesn't have to mean bland, either. Consider dressing up an accent wall, easily and cost-effectively with repositionable wallpaper or a removable wallpaper mural. Websites like MuralsYourWay.com offer a wide variety of repositionable wall coverings, called SmartStick, in a variety of designs. A patented adhesive makes it easy to install the mural - creating an eye-catching focal point for any room - and remove it later if buyers decide they don't want it. It's a great way to get a designer look at a fraction of the cost - and without the commitment of traditional wallpaper.



3. Fix up the fireplace - Sure, you're heading into summer selling season, but fireplaces charm buyers no matter what the weather. Make yours look its best. Old brick fireplaces can get designer flare from a coat of paint. If your fireplace is wood-burning, remove and clean the screen. If it looks tired and rusty, give it a fresh look with a coat of heat-resistant spray paint. For gas fireplaces, keep the glass clean and make sure everything is in working order. For a nominal cost, you can install a remote starter - a winning feature for buyers who can envision themselves starting a fire without ever having to leave the comfort of their couch.



4. Spruce up outdoor living spaces - If you have a deck or patio, do whatever it takes to spruce it up, from power-washing pavers and deck boards to staining tired-looking wooden decks. If you don't have a patio or deck, and don't want to spend a lot of money adding one, you can still create an appealing outdoor seating area. Mark off an area using stones or plastic edgers near the house or in a shady spot in the yard. Fill in with pea gravel or wood chips, then add an attractive bistro set - with umbrella - to create a pleasant seating spot.



5. Brighten the bath - Bathrooms and kitchens sell houses, yet many sellers are reluctant to sink any additional money into staging a bathroom. You don't have to spend a bundle to make your bathroom more appealing. After a deep cleaning, invest in some designer towels that only come out for showings. Put up a fresh shower curtain and get rid of those nasty area rugs that will make buyers think "germs." Add a small vase of fresh flowers on the vanity. Bring in more natural light by removing blinds and ensuring privacy with removable film that makes windows look frosted. Have a bathroom that doesn't have windows? You can really brighten it - and make a designer statement - by placing a removable wallpaper mural on the ceiling. Pick a sky scene with fluffy clouds on a blue background and you can even brighten a windowless powder room.



Staging a home can help make it more appealing to potential buyers, and ensure you sell it faster.



Wednesday, November 18, 2015

Give your home a quick refresh with these budget-friendly tips



(BPT) - Whether you are buying, selling or simply remodeling, you are looking to invest in updates that will increase the value and appeal of your home. It's natural to want it all, but before you over-personalize or break the bank, there are many simple, budget-friendly changes that can increase the value of your home without the risk.



Cassandra LaValle, interior designer and editor of the acclaimed lifestyle and design site, Coco+Kelley, offers these tried and true tips for upping your home value without overdoing it.
  • Refresh with paint: You may not be able to replace large appliances or countertops, but in the kitchen adding a fresh coat of neutral paint to outdated cabinets and swapping out hardware can go a long way in making the space feel refreshed.
  • Little luxuries in the bathroom: Replace your current shower head with a rain shower. Completely budget-friendly and easy to install - it takes less than five minutes - this showerhead can make a huge difference in an everyday routine - giving a spa-like experience with multiple high-performance spray settings.


The same goes for lighting - brightening up this space in particular can be a big selling point.
  • Don't forget about the outside: Every home needs curb appeal. If you can't afford major landscaping, focus on the entrance to the home. Again, updating with paint and hardware on the front door will be a welcoming touch, while a couple of really great potted plants at the entryway add to that focal point.
  • It's in the details: Consider adding small details to rooms that will elevate the style. Framing out windows, or adding baseboards, molding or wainscoting to a space will leave it feeling a bit more polished.


No matter how big or small your projects, remember it doesn't take a lot of money to make a big impact to any space.



Tuesday, November 10, 2015

How you compete with a Hedge Fund



First: Appreciate their strengths but don't fear them.



Hedge funds have a lot of capital and if they can show a model that produces a decent return of ONLY 7-9% they will get more capital to continue their acquisition spree. In addition, hedge funds can leverage technology to the hilt, so they will have more applications and databases than you can shake a stick at, but remember bad data fast is still bad data.



Another reality of their size is their need to buy lots of property quickly. When they move in for the kill they will buy large pools of properties in short periods. However, as a small investor, I can focus on a single purchase to add to my portfolio instead of having to find 10, 20 or 50 properties to buy. I have no idea how these buyers can stay up to date with 50 escrows, repairs, and rentals, at one time. In the end - appreciate their need and ability for frequent acquisition.



Second: Understand their purpose and goals.



Hedge funds are great at taking advantage of market dislocations. They use their tremendous capital base to buy distressed assets (of any kind) and then wait for markets to repair themselves and return to long run averages. This means that most hedge fund buyers will have a clock on their capital and they will become sellers at some point. The best part is that most hedge funds will likely become sellers, at the same time producing nice buying opportunities in the future - likely 5-10 years from now - at much higher prices.



Finally: Understand where they are weak.



Most hedge fund buyers don't live in the markets where they invest. They may send out a team or two from New York or Boston to live in Atlanta, Southern California or Phoenix for a couple of years but these assignments are rarely given to locals.



Why would they trust a local with their billions of dollars?



The first thing to do as a small investor is remember to build quality relationships as frequently as you can. All real estate is local and most of it is sold by local resources, so if you can become the trusted buyer of many different agents and other investors, you will have the inside track to deals that a hedge fund never sees. Most of my deals come from relationships that hedge funds would pay dearly to have.



Also never (and I mean NEVER) go straight at a bully [hedge fund]. Understand what their strength is and do something different. In the early example I will admit the football player never saw me coming because he pushed me and just kept walking, as he never thought to make sure I wouldn't respond. I dropped everything, jumped on him, and got him on the ground where my speed was a huge advantage and his superior strength and reach was negated. In short - I won and he lost because I did the unexpected!



When it comes to competing with a hedge fund that has access to millions or billions of dollars, don't fight for the properties they want, it's losing proposition. Instead - buy around them and let their efforts increase the value of your purchases. If hedge funds want properties newer than 5 years, then buy the 10, 20 or 50 year old homes at which they refuse to look. If hedge funds want certain zip codes, buy the zip codes adjacent to their neighborhoods. If hedge funds want single family - buy multi family. If Hedge Funds want to buy at the court house steps or want to buy foreclosures on the MLS, then buy short sales or probate deals.



I love to see hedge funds over pay in my market, as they are adding to my net worth by increasing market values across the portfolio. Regardless of their buying - my 10+ years of relationships allow me to find tremendous deals regularly.



In the end - don't fear the bully; just out smart and out work them. They are 100% beatable.



Author: Michael Zuber



Michael's Website: http://www.wealthbuildingpro.com



Make your own masterpieces - freshly painted focal points for any room



(BPT) - Still love the overall design scheme of a space, but feeling a little bored? The best way to breathe new life into it - without revamping the entire area - is by creating a new focal wall. Instead of a decal, stencil or pricey artwork, make a statement that's one-of-a-kind with a little creativity and painter's tape.



Heavy patterns on every wall can be overwhelming; adding zest to just one is your best bet to make a positive impact. Before you begin, scan the room to determine the best wall to update. When you enter the space, where do your eyes naturally gravitate? If it's an area that you love, amp up the style to make it really stand out. But if it's something that catches your eye for all the wrong reasons, pick a different side of the room. Repositioning the focal point will draw attention away from the elements you don't like or can't easily change, like architectural features, window placement or heating and cooling returns.



Once you've determined where you're going to paint, it's time to think about what. Here are a few easy ideas to get the creativity flowing.



Awesome artwork



Purchasing oversized artwork can be pricey - ranging anywhere from hundreds to even thousands of dollars. Don't shell out a ton of cash to add personality to an empty wall when it's easy to make your own art. Bring your design ideas to life with new FrogTape Shape Tape - a painter's tape cut into unique patterns that allows you to quickly and effortlessly create works of art on walls, accessories, furniture and more. The three Shape Tape patterns - Wave, Scallop and Chevron - can be positioned on surfaces in various ways to achieve different results; by staggering the tape or varying the placement widths, you can make your own impressive designs. Best of all, patented PaintBlock Technology on the edges of FrogTape Shape Tape helps prevent paint bleed and leaves precise lines, keeping your artwork looking sharp. For more information visit frogtape.com.



You can create one oversized piece of art directly on the wall, or paint a number of smaller canvases that can be arranged as a DIY gallery. Whatever you choose, you'll have a new focal point that will surely serve as a conversation starter at your next get-together.



Natural touch



Creating a mural on one wall is extremely popular, especially one that helps bring the feel of the outdoors inside. Trees are an easy element to paint on any wall. For a sophisticated look, keep it simple with silhouettes. Use painter's tape to create the outline of birch trees from the floor to the ceiling, leaving six to 12 inches between each trunk. Paint all the trees using the same color. Be sure to use a shade that coordinates with the rest of the room, or a neutral like white, gray or beige delivers a crisp look.



Fabulous faux framing



If your house is lacking interesting architectural features like decorative molding, you can mimic the look with paint and painter's tape. Measuring and installing the real deal can be time-intensive and tedious, but using paint is an easy way to dress up a space without the cost and labor of installing numerous pieces of trim. From crown molding to wainscoting, using paint to imitate intricate trim work will add high style to your home.



For a stunning makeover, apply FrogTape brand painter's tape three feet up from the floor along the entire wall to emulate a chair rail. Then, add additional squares and rectangles in a repeating pattern below. Apply a fresh coat of paint in a color that coordinates with the original wall color; and once you remove the tape, you'll have crisp lines that look like molding... without all the work.



Next time you're looking to spruce up a space, think beyond painting your walls a solid color. With a little imagination and painter's tape, you can design eye-catching rooms throughout the entire house.



Wednesday, November 4, 2015

Three green trends for home remodeling



For some homeowners, remodeling projects are regular occurrences to keep their homes looking fresh. Sometimes, that means smaller changes like a new coat of paint or changing a light fixture. Other times, more substantial changes are needed. Determining those changes can be a challenge, but looking at the potential return on investment is a great way to prioritize.



Bathroom remodeling offers a 68.7 percent return on investment, according to a National Association of Realtors survey. One way to add value to a bathroom remodel is to pick bathroom fixtures that are more efficient than what you currently have installed. People are going green in many areas of life, whether with more energy-efficient light bulbs, hybrid cars or by recycling more regularly. Bathroom fixtures are no different.



Here are three reasons why you should consider going green with your bathroom modeling project:
  1. Products may be outdated. Toilets made before 1994 use anywhere from 3.5 gallons to 8 gallons per flush (gpf), while new EPA WaterSense labeled high-efficiency toilets can work beautifully on a modest 1.28 gpf. Not sure of your toilet's vintage? Look at the underside of the tank lid - the date of manufacture is often stamped into the porcelain. In the shower, the typical showerhead installed in California homes built after 1994 uses as much as 2.5 gallons per minute. At that rate, your eight-minute shower consumes a whopping 20 gallons of water.
  2. Compared to 3.5 gpf toilets, TOTO's Aquia One-Piece Dual Flush High-Efficiency Toilet has a flushing system that enables homeowners to select the level of water used each time the toilet is flushed - 1.6 gallons for bulk waste or .9 for liquid. The approach provides exceptional water savings paired with outstanding performance. A family of four can save more than $90 annually on their water bill, and $2,000 over the lifetime of the toilet.
  3. If you replace a typical 2.5 gpm showerhead with a TOTO high-efficiency Trilogy Showerhead, you will experience the same luxurious shower, yet consume a responsible 14 gallons, saving 20 percent of the water used by older models.


Even something like a faucet can contribute to water savings. TOTO's Silas Widespread Lavatory Faucet is a WaterSense labeled lavatory faucet that consumes a responsible 1.5 gallons per minute without sacrificing an ounce of performance. Its design has a classic contemporary elegance with a graceful, curved spout.



* Be a trendy homeowner. A whopping 68 percent of builders surveyed by the National Association of Home Builders say that energy-saving technologies and features including low-E windows, energy-efficient appliances, and LED lighting will be common along with other green features like engineered wood products, and water-saving plumbing fixtures such as dual-flush toilets and low-flow faucets by 2015. Start now and you'll be ahead of the curve.



Tuesday, October 27, 2015

Kitchen remodeling 101: Making the space your own





Here are five creative, thrifty and helpful tips from Summer Baltzer, interior designer and former host of HGTV's Design on a Dime, to send you well on your way to a kitchen design that not only looks great in the long term, but also reflects you.



Tip one: Know your style.



Design your kitchen around colors and objects that make you feel great. This is the room you probably spend most of your time in whether you're cooking, entertaining or just doing homework with the kids. Loving the look is important. Make your design meaningful and something you'll want to see every day. Look for inspiration from a pottery collection, a piece of artwork, or even the food you love.



Tip two: Get creative on a budget.



A great way to save money is to repurpose found items for your accents where you can. Frame pictures from favorite recipes, use inexpensive flower pots or mason jars to store utensils and cutlery, repurpose an old console table as a center island. You might even want to spray-paint the old dining table and give it a new life. Look for salvaged floors, pallets or pottery to create new furniture pieces or accents. This approach not only saves you money, but also makes your kitchen enviably unique.



Tip three: Develop your vision.



Keep your ideas on track by collecting loose drawings; they can become your own personal design board. They don't have to be professional or even exactly like the finished product - just enough to make your point and start to envision what the finished product will look like. Seeing your ideas come together before taking a sledgehammer to your old tile not only gets you excited about your project, but can also save you from making design decisions that don't fit your vision. If you're hiring a professional, plans for the kitchen should be included in the cost. Make sure that they fit your vision and that you're getting everything you need from your new space before demo and installation begin.



Tip four: Create timeless beauty.



When focusing on your large installed items, don't just concentrate on what's popular now. Instead, take a look at the items that have been relevant for more than a decade. If you're designing a kitchen for a home you plan on living in for the next 20 years, by all means, go crazy and embrace colors and patterns that make you happy. But if you don't plan on staying there forever, give yourself room to grow. Look to classic color combinations like white, black or gray cabinets; stone countertops with white or walnut cabinets; or butcher block with just about any cabinet color you can imagine. Wilsonart's Calcutta Marble and new Old Mill Oak and Truss Maple are affordable laminate options that look real but are made from recycled wood fibers. They have finishes that withstand daily wear and tear, and are a fraction of the cost of traditional stone countertops. Look to lasting styles and materials, rather than what's simply trendy at the moment, to create a timelessly beautiful kitchen. Learn more at www.wilsonart.com.



Tip five: Start with simplicity.



Keep the lines of your installed, more permanent items clean and simple. To add style and versatility, get creative with your accents. For instance, try going Shaker with your cabinets. Traditional cup pull handles will move them in a more classic and traditional direction and linear pull handles will take you down a modern road. By keeping your appliances and more permanent items simple, and using your accents to create a sense of style, you'll open up tons of design doors for yourself, creating a kitchen that transitions easily, keeps up with your style and has staying power.



With this timeless know-how and creative inspiration, you're ready to create a kitchen you'll love both now and a decade down the road.



What lies beneath your dream home? New homeowners skip sewer line inspections



A sewer line inspection is not included in the standard home inspection and is regularly waived in the purchasing process. Additionally, many buyers do not know that responsibility for the condition of the lateral sewer line leading from the street to the home lies with the homeowner, not a municipality. Buyers should reconsider including this important step before they sign a deal.
If a problem occurs, a sewer line replacement costs at least $4,500, but prices vary widely and costs increase dramatically by region, depending on depth and length of the underground pipes and if street repairs become part of the issue.
Experts at Roto-Rooter, North America's largest provider of plumbing repair and drain cleaning services, encounter this scenario far too often. Consumers, who just signed the dotted line on their dream home, soon find that they're trapped in an expensive plumbing nightmare.
"Just a couple of years after purchasing our home, we had a $15,000 sewer line disaster in our lap," says Jennifer Schappacher of Cincinnati. "The sewer line clogs began not long after we moved in, but as they became more frequent we had Roto-Rooter inspect the line with a video camera and only then did we realize the pipe had offset sections and a partial collapse that was causing sewage to back up into our house."
The Schappachers looked at only a few houses before deciding on one in a quiet shady neighborhood. It was charming with large, mature trees that shaded the entire street. But since the house was built in 1959, its concrete and clay underground sewer pipes were vulnerable to heavy root intrusion from the big trees. As those roots entered the pipe joints in search of water, they pushed the pipes apart and allowed surrounding soil to spill into the pipe, narrowing a 6 inch diameter pipe to just 1 inch in some sections.
Generally, a plumber can complete a sewer line camera inspection for $250 to $550, depending on the region. While not cheap, it's a relatively small price to pay when buying a home, especially if it helps a buyer avoid thousands of dollars in unforeseen repair bills.
To avoid unexpected and costly plumbing problems, the experts at Roto-Rooter recommend having a plumber conduct a video camera sewer line inspection, in addition to a standard home inspection, before buyers purchase a home. The process involves passing a waterproof fiber optic video camera through the pipe. The specialized cameras are equipped with bright LED lights so the inspection will reveal any cracks, breaks, offset or collapsed sections of pipe. The plumber will often provide a DVD copy of the inspection as part of the service.
"Sewer inspection camera equipment is expensive and often is only utilized by well-equipped plumbing companies, but the video inspection service itself is easy to complete and well worth the extra step," says Roto-Rooter master plumber Larry Rothman.
Root growth is the most common cause of sewer line damage and is often responsible for blockages and separated pipe sections. Outdated and eroding pipe materials are also a common culprit in sewer line deterioration. Older pipes are much more susceptible to root intrusion than new plastic pipe.
Inspections are especially important if:
* The home is 20 years or older.
* There are mature trees around the property.
* The home has been vacant for a period of time.
* The concrete surrounding the home is cracked or raised.
* There is considerable visible root growth in the yard.
Many homeowners, especially new homeowners, do not know or think about their home plumbing. For seasonal maintenance tips and general information, visit Roto-Rooter's plumbing basics section online at www.rotorooter.com/plumbing-basics.



Wednesday, October 21, 2015

Easy ways to renovate your kitchen





You may have your reservations about renovating your kitchen. After all, there's all the noise, dust and lack of mobility while your kitchen is getting renovated. Also, there is the cost factor to consider. However, with a little planning in mind you can take care of all these things in a manner that works for you. You can make use of all the resources available in the market to make sure that you have what it takes to renovate your kitchen and live through the process. It is actually a very simple process if you think about it. All the information that you have and all the products that you need are available. All you need to do is make the right choices and you are set to renovate your kitchen. Of course, your kitchen will be unavailable for use for the next few days. Therefore, you need to make sure that you have made arrangements so your daily routine is not affected. This is most important as the kitchen forms an important part of your household. Therefore, you need to make sure that you have arrangements ready as a substitute for not using your kitchen.



There are many things to consider while renovating your kitchen. You need to seek out what you require from your kitchen first. If your gas is not working, then you need to change your stoves. If you are not getting proper electric connection, then you need to change your lines. If your piping is not working, then you need to get a proper plumber. These are the essentials of a functional kitchen. Check them one by one and make sure to have a list of things to repair.



The next important factor to consider is that the renovations being done should enhance the look of your kitchen. This would mean cosmetic modifications to your kitchen, which would come in form of countertops and cabinets. Marble countertops will give your kitchen a grand luxurious look that would enhance the quality of your kitchen. You can purchase such countertops from home or kitchen renovators. You should look for one stop shops for all your kitchen renovation needs. This will help you to get all the assistance you will need for your kitchen renovation.



by: Easy Ways to Renovating Your Kitchen

http://www.articlecity.com/articles/home_improvement/article_7266.shtml



Tuesday, October 13, 2015

Preparing for happily ever-after? Simple ways to minimize the impact of potential wedding mishaps





1. Solidify a budget



The average wedding costs a whopping $28,427, according to theknot.com, which means couples are spending big bucks to say "I do." Whether you're able to spend $5,000 or more than $50,000, it's important to create a realistic budget and stick with it throughout the wedding-planning process.



A good way to stay within budget is to set priorities. Do you care more about the food and not so much about the flowers? Allot more funds for catering and keep the bouquet modest. Create a spreadsheet and involve your partner so you both are on the same page. No one wants to be mid-wedding planning and realize they can't afford what they promised guests, or worse, have a huge bill at the end that risk delays to other goals, such as buying a home.



2. Purchase wedding insurance



Imagine it's two weeks before the wedding and you just found out the reception hall suddenly closed, the tailor lost your dress and the photographer was in a car accident and therefore can't attend the ceremony. There's always an element of the unknown, and when so much money and emotion are involved in an event like a wedding, it's crucial to get wedding insurance.



"Wedding cancellation insurance can help cover losses for deposits sent to businesses who have unexpectedly closed, replacement of damaged wedding dresses and attire, and restaging of photos if a photographer is a no show," says Steve Lauro, vice president of Aon's WedSafe wedding insurance program. "It may even cover up to the full cost of your wedding if your event is postponed due to unforeseen circumstances such as extreme weather or a venue shutting its doors."



"Event Liability insurance, required by many venues, is another type of coverage you may be required to obtain in order to adequately protect your wedding," adds Lauro.



3. Investigate venues and vendors



National average wedding costs: $2,379 for a photographer, $1,997 for a florist, $12,905 for a reception venue, $63 per guest for catering. When investing so much money into a wedding, you want to make sure the businesses you select are the best of the best. Spend time researching different venues and vendors before you sign on the dotted line.



When researching, ask and make sure each business carries liability insurance. Get references and spend time emailing and making calls - a real person will give you the best insight into what type of experience to expect. Check out every business on BBB.org and read online reviews.



4. Stay organized and confirm details one month out



Many couples plan a wedding a year or more out, so it's important a month prior to confirm all the details to ensure a smooth and beautiful wedding day. Call vendors and event sites to verify times and services.



You'll receive lots of paperwork during the wedding-planning process. Keep copies of all contracts in a specified folder. Record how much was put down on deposits and when additional amounts are due so you don't miss a payment. Keep a spreadsheet of all important numbers in one document for easy reference. Give this document to several trusted people so if you need assistance calling, particularly on the day of the wedding, your mother-in-law or best man can step in and help.



Make sure your special day ends in wedded bliss rather than a wedding disaster. These simple tips can help ensure a beautiful experience for you and your guests, and protect you should you encounter an unexpected surprise.



Play it cool in your garden and you'll be good to grow



If you think the end of warm weather means your vegetable gardening days are done, you'll need to reconsider. The weeks when warmth fades into cold are actually an opportune time to plant cool-weather crops. Fall is a great time of year for planting vegetables.



Some of nature's most nutritious greens and veggies thrive in cooler temperatures. Planting them now can ensure a bountiful cool-weather harvest. Plus you'll save a bundle by avoiding the produce aisle in your grocery store for a few more months.



Sunny, cooler weather is perfect for many vegetables. With increased rainfall and temperatures ranging between 60 and 80 degrees in the day and higher than 40 at night, your plants suffer less, increasing your likelihood of good harvest. You can even cope with frost; some hardy vegetables can thrive without frost protection, and covering less resistant plants when frost threatens can keep them thriving.



The secrets of successful cool weather planting don't differ much from the techniques you've used during a hot season. Cool crops will need at least six hours of sun daily, ample water and a steady supply of much-needed nutrients. You can get a jump-start by planting transplants. Seed germination of cool crops during warm weather requires much attention to detail. Transplants are a quicker, easier route to ensure success.



Vegetables and herbproducers offer some quick tips for picking the right plants for your cool weather garden:
  • Choose fast-growing, leafy cool crops like broccoli, Swiss chard, lettuce, kale, spinach, collards and arugula. Leafy vegetables are actually harder to grow in the summer, when the heat can cause them to "bolt," forming flowers and seeds. Bolting leaves edible portions tasting bitter. You could choose to plant two rounds of these vegetables, at the end, and again at the start, of cool weather seasons.
  • Don't delay. Ideally, you should plant your cool weather crops before the temperature changes, although if you miss that window, it doesn't mean you can't still have a successful fall harvest. It just might take more time and ingenuity.
  • Pick a place. Your existing garden is the perfect place to plant cool weather crops. Remember, frost flows downhill like water, so spots at the top of a slope or in south-facing locations will remain warmest.
  • You can also plant your cool weather in raised beds, which are easy to cover when frost threatens, or in pots that can be brought inside when temperatures dip too low.
  • Know how they grow. Pay close attention to "days to maturity" information listed on plant tags. You'll want to give plants enough time to produce before killing frost arrives.
  • Good gardening practices will get your cool weather garden growing. Loosen soil before you plant and mix in some all-natural fertilizer. Maybe something made from soybean oilseed extract, and organic compounds like vitamins, minerals, amino acids, proteins, enzymes, plant hormones and carbohydrates. It's an excellent source of nutrition in home gardens.


Consider these popular plants for your cool weather garden,



Packman Broccoli - This hardy vegetable develops best during the cool season. It matures in 45 to 55 days and has large, bright green, mildly flavored domed heads. Plant transplants 18 inches apart in rows 30 inches apart.



Top Bunch Collards - This hybrid is heavy yielding, early maturing, and more uniform than traditional varieties. The leaves are upright, broad, and a beautiful, waxy, deep green. These collards grow best in full sun, but will tolerate partial shade. Like all collards, they are rich in vitamins and sweetened by frost. Space transplants 36 inches apart in rows 36 inches apart.



Spinach - A cool-weather vegetable related to beets and Swiss chard, spinach is a fast-growing plant. It yields many leaves in a short time in fall. Although it prefers full sun, spinach is one of the few vegetables that produce a respectable harvest in partial shade.



With some advanced planning, active attention, and the right choice of plants, you can continue to enjoy your garden and fresh, flavorful produce, long after the warm seasons have passed.



Wednesday, October 7, 2015

Everything you need to understand about cabinets - basic introduction to cupboards



When you think about cabinets, much more often than not, you think of kitchen cupboards. These are the hottest topics within the market these days simply because of their performance, significance, and versatility. However, there is much more to cabinets than kitchen area cupboards, as cabinetry encompasses all facets of house decoration.



Cabinets are much more than just storage. They speak of one's personality, your taste, and your sense of style. The chances are endless, but it boils down to what your choices are. In terms of style, you will find various sorts of cabinets to select from. But they're basically subsumed into common classifications, for example framed or frameless, inventory or custom made, conventional, country, or modern fashion, made of hardwood, wood veneers or other materials.



Inventory and Customized Cupboards



Cupboards are generally classified into stock cabinets and customized cupboards. Inventory cupboards are individuals cupboards which are pre-fabricated and could be bought "off the rack" in many cupboard shops. Customized cabinets, on the other hand ordinarily refer to cupboards that are specially built by cabinet makers to match a homeowner's extremely comprehensive specs, and therefore are usually carried out on site (homeowner's home).



Framed and Frameless Cabinets



A framed cabinet is a cupboard with a body connected towards the entrance edges of its physique. This is also known as traditional, face-framed or American-style cabinet. A frameless cabinet, as the title implies, is one which has no body attached to enhance its physique. This is the standard among European-style cabinets.



Conventional, Country, Or Modern Style



If one goes by custom, all kitchen area cabinets are created from hardwood and therefore are fastened to the kitchen area walls. But nowadays, completely fixed cupboards have given way to standalone mobile cabinets that might come in unconventional materials, for example glass or plastics. Traditional fashion cupboards are appealing to more people because of its ageless appearance.



Country style cupboards give a comfortable, cozy and welcoming feel to a space. Hardwood is the best material to start with in the event you choose a country feel for your cabinets, as this may blend well with florals or nature-inspired textiles or designs.



There are countless other styles to choose from, enough to get you confused on your choices. To avoid this, it would be best to understand exactly where to begin your search. Browse through magazines, woodworking books, or cupboard shops. You can broaden your search to web sites on homes and furnishings. Just remember not to overlook a fashion that would naturally blend with design and architecture of one's house.



Strong Wood, Bonded Wood, and Wood Veneers



It's been a long time, and getting new cabinets means getting the services of a cabinet maker or getting down and dirty to make custom wood cupboards. As technologies have progressed, the opportunities have become limitless. Old and new supplies offer other various classifications of cabinets.



Solid Wood



Because of its versatility and ageless appearance and appeal, wood has become the most common material used for cabinets. It provides a warm, homely atmosphere, and blends nicely with nearly any type of interior design and décor. The various kinds of wood species give more diverse choices, but your option would eventually depend on your personal style and spending budget. Wood is the most sought-after material for customized cabinets.



Wood supplies come from two kinds of trees: hardwoods and softwoods. Hardwood supplies come from coniferous timber, or trees which are easy to acquire. Softwood materials come from dicotyledonous or hard-to-cut trees.



Various wood species fetch different costs, relying on its availability and overall look. You will find several materials you can choose from: maple, oak, cherry, hickory, yellow birch, or pine.



Oak was the heavy favorite among cupboard builders until recently, when maple grew to become more popular within the cupboard industry. It is adaptable to any type of cabinet style due to its mild and normal grain texture. Extremely comparable to maple when it comes to flexibility, is the yellow birch selection. With its power and broad range of colors, it's a preferred option for kitchen cupboards.



Cherry wood colors vary from pinkish to red-brown when aged and exposed to sunlight. Hickory is a light colored, to reddish brownish hardwood that is best for a staining finish. Although, pinewood will be the most inexpensive selection, it requires careful handling and preparation due to its susceptibility tobumps and scratches.



Exotic woods fetch higher prices as they are the much more uncommon types. Among those are mahogany, ebony, and walnut. Mahogany is largely derived from tropical rainforests. Its reddish brownish color and normal grain qualities make it an ideal alternative to old oak wood. Walnut colors range from darkish brown to your purplish shade of black. Ebony wood generally refers to very dark or black wood.



Bonded Wood



Bonding refers to the procedure of making large wood supplies from a number of smaller pieces of wood. Bonding processes differ. One way is cutting broad boards into narrow parts, then glued collectively to make the specified width or form. Blocks of wood might also be glued together to make up a single component of the cabinet. Another procedure entails wood chips or small wood particles combined with a gluing substance, the processed to create sturdy wood particle boards. And lastly, the process of bonding several levels of particle boards might be carried out to create plywood panels that are ideal for adding strength to softwood cabinets.



Wood Veneers



Wood veneers are thin layers of wood supplies from superior species of wood. These are glued on the surface of the cupboard materials, generally plywood or plastic board. This will be the best choice to get a more versatile wood cupboard accented with various wood patterns and textures. Wood veneers are aesthetically effective not just for raised panel cabinet doors, but also for flat or recessed cabinet doorways.



A word of caution for the spending budget: Although wood veneer as an option for wood appears to suggest that's an inexpensive material, extremely elaborate veneering styles could end up being much more expensive work pieces.




Tuesday, September 29, 2015

Financial bliss after 'I do'



Wedding season is here. It's estimated that more than 2 million couples will be married in the United States this year. As couples young and old unite their hearts and lives, they will also face the challenging task of uniting their finances.



The truth of the matter is, financial bliss is only partially connected to the size of one's bank account. Especially for newlyweds, financial satisfaction and contentment is often found in the uniting of partners' financial values and goals.

These values, or life priorities if you prefer, can range from security, to service, to status. Alternatively, they might encompass areas such as independence, financial wealth, meaningful work, faith, family or excellence, among others.

Once newlyweds have identified their top values - and have seen the values identified by their mate - they can use this knowledge to create shared goals.

What if he values money and she values friendship? Is conflict sure to follow?

There is "give and take" in every relationship, including a couple's financial priorities. Once each partner understands the values of his or her mate, it becomes easier to set shared short- and long-term goals. At a minimum, it helps couples understand what drives the other's thinking.

Thrivent Financial for Lutherans provides these 10 basic steps that newlyweds can take to launch their new financial lives:

1. Identify your core values.
2. Establish your shared needs and short- and long-term goals.
3. Create a budget.
4. Reduce and eliminate consumer debt or other loans.
5. Start or increase an emergency fund.
6. Insure your health, property, income and life through appropriate insurance.
7. Save for your retirement.
8. Educate yourself about financial issues.
9. Meet with a financial professional to help you stay on task.
10. Talk regularly about your financial goals and performance.

Following the steps above will not address the "who, what and how" related to paying bills or balancing checkbooks. Frankly, there is no one right formula for determining who does what. Newlyweds will need to invest time, conversation and experimentation into finding the right fit for their unique circumstances and personalities.

Establishing a regular "money date," where you set aside uninterrupted time to discuss your finances and measure them against your goals can be a fun way of addressing something otherwise considered "work." This date need not be costly or even away from home, but it must be a time without distractions from television, phone calls or friends. This is truly "your time" to study and learn about your finances as a couple.

After "I do," the work of establishing your new life together begins. By giving regular attention to your values and financial goals, you can enhance the likelihood of living "happily ever after" from a financial viewpoint.



Cozy up to energy savings with insulation



With temperatures dropping, odds are your energy bills will be doing just the opposite. In fact, heating (and cooling) account for approximately 54 percent of the energy use in a typical U.S. home, according to the Department of Energy, representing the largest energy expense for most homeowners. One of the most effective ways to manage a home's climate, comfort and energy costs is by ensuring that it is properly insulated.



"Insufficient insulation, particularly in basements and attics, can allow heat to escape, resulting in higher energy bills and a less comfortable indoor environment," says Don Kosanka, product program director for Owens Corning. "The great thing about insulation is that it is an investment that returns itself. It's something that homeowners can install themselves and it provides year-round benefits. Not only does insulation keep homes warmer in winter and cooler in summer, it delivers energy and cost savings all year long."



In fact, sealing and insulating - when done by a knowledgeable homeowner or skilled contractor - can help save up to $200 a year in heating and cooling costs, according to the U.S. Environmental Protection Agency (EPA). In addition to cost savings, the experts at Owens Corning outline three other key benefits of insulating your home:
  • Energy efficiency - The primary purpose of insulation is to control heat flow in a home to save energy on heating and cooling. It's estimated that homeowners can typically save up to 20 percent of heating and cooling costs by air sealing the home and adding insulation. For optimal energy efficiency, a home should be insulated from the roof down to its foundation. Information about specific areas to insulate in a home is available at www.energy.gov.
  • Environmental impact - The energy saved by insulating a home also benefits the environment, but it is important to note that not all insulation products have equal environmental impacts. Look for products made from recycled materials.
  • Enjoyment - Simply put, a well-insulated home is a more comfortable home. Insulation provides a protective barrier between the conditioned areas of a home and the outside elements helping to control moisture and temperature. Additionally, fiberglass insulation acts as a sound absorber, reducing the transmission of sound from one room to another or from the outside.




Wednesday, September 23, 2015

Make your own masterpieces - freshly painted focal points for any room



(BPT) - Still love the overall design scheme of a space, but feeling a little bored? The best way to breathe new life into it - without revamping the entire area - is by creating a new focal wall. Instead of a decal, stencil or pricey artwork, make a statement that's one-of-a-kind with a little creativity and painter's tape.



Heavy patterns on every wall can be overwhelming; adding zest to just one is your best bet to make a positive impact. Before you begin, scan the room to determine the best wall to update. When you enter the space, where do your eyes naturally gravitate? If it's an area that you love, amp up the style to make it really stand out. But if it's something that catches your eye for all the wrong reasons, pick a different side of the room. Repositioning the focal point will draw attention away from the elements you don't like or can't easily change, like architectural features, window placement or heating and cooling returns.



Once you've determined where you're going to paint, it's time to think about what. Here are a few easy ideas to get the creativity flowing.



Awesome artwork



Purchasing oversized artwork can be pricey - ranging anywhere from hundreds to even thousands of dollars. Don't shell out a ton of cash to add personality to an empty wall when it's easy to make your own art. Bring your design ideas to life with new FrogTape Shape Tape - a painter's tape cut into unique patterns that allows you to quickly and effortlessly create works of art on walls, accessories, furniture and more. The three Shape Tape patterns - Wave, Scallop and Chevron - can be positioned on surfaces in various ways to achieve different results; by staggering the tape or varying the placement widths, you can make your own impressive designs. Best of all, patented PaintBlock Technology on the edges of FrogTape Shape Tape helps prevent paint bleed and leaves precise lines, keeping your artwork looking sharp. For more information visit frogtape.com.



You can create one oversized piece of art directly on the wall, or paint a number of smaller canvases that can be arranged as a DIY gallery. Whatever you choose, you'll have a new focal point that will surely serve as a conversation starter at your next get-together.



Natural touch



Creating a mural on one wall is extremely popular, especially one that helps bring the feel of the outdoors inside. Trees are an easy element to paint on any wall. For a sophisticated look, keep it simple with silhouettes. Use painter's tape to create the outline of birch trees from the floor to the ceiling, leaving six to 12 inches between each trunk. Paint all the trees using the same color. Be sure to use a shade that coordinates with the rest of the room, or a neutral like white, gray or beige delivers a crisp look.



Fabulous faux framing



If your house is lacking interesting architectural features like decorative molding, you can mimic the look with paint and painter's tape. Measuring and installing the real deal can be time-intensive and tedious, but using paint is an easy way to dress up a space without the cost and labor of installing numerous pieces of trim. From crown molding to wainscoting, using paint to imitate intricate trim work will add high style to your home.



For a stunning makeover, apply painter's tape three feet up from the floor along the entire wall to emulate a chair rail. Then, add additional squares and rectangles in a repeating pattern below. Apply a fresh coat of paint in a color that coordinates with the original wall color; and once you remove the tape, you'll have crisp lines that look like molding... without all the work.



Next time you're looking to spruce up a space, think beyond painting your walls a solid color. With a little imagination and painter's tape, you can design eye-catching rooms throughout the entire house.



Tuesday, September 15, 2015

Room to spare





We are so often cluttered with the stuff from grown children that gets left behind as they get established elsewhere on their own. They like to have the unpaid additional storage space in a parent's home or they just don't want to make any decision about what to do with their things. So, their things are left taking up lots of precious space, even though the stuff may not be so precious to anyone anymore.



What to do with a spare room:



1. Dump the junk- Don't waste that spare room with an accumulation of junk. It won't go away on its own. Make a plan to clear out the clutter and disperse of the goods to people who can better use them. Your home's square footage is too valuable not to be using it.



2. Guestroom- Create a spa-like retreat for your guests. Include reading materials and brochures for local activities. Have some hotel-like amenities ready to go in a decorative basket so they feel welcome, knowing you have thought of their needs.



3. Craft or hobby room- You finally have a place to do your scrapbooking, sewing, or painting! Let this room be your private studio where creativity flows.



4. Gifting- Have a room just for gift giving. Keep ribbons, gift bags, tags, and wrapping paper in the room along with any items you have purchased ahead of time for gifts. Don't forget the scissors and tape. So whenever you need a present, it will be a snap to put one together.



5. Exercise room- This does not mean you have to have all the big equipment that you find at a gym, but if the area is designated as a workout space, you are more likely to do your yoga, palates, and strength training. Clear out the room and put your yoga mat, weights, TV, audio equipment and workout DVDs in it.



6. Home office- Instead of letting paper pile up on your coffee table or kitchen counter, set up an area to pay bills and answer mail. Put everything you need for these activities in the room including a desk, stamps, stationary and pens. Create a simple filing system and get a jump on tax preparation for next year.



7. Mediation room- Oh to have some peace and quiet-create it! Don't allow anything in this area that doesn't bring you peace and tranquility. Some suggested contents include a water fountain, floor cushions, candles, incense, and chimes. Selected reading and audio materials will also set the mood. A serene start or end to you day, or a quick getaway to rejuvenate.



8. Room to spare, room to share- create that media room, music, pool, puzzle, card or board game room and invite friends over for a night of fun and hospitality.



9. Renovators rescue- Use the empty room as the spare room to hold addition furniture, etc. when you are renovating - flooring especially is difficult as you need room to move all your stuff. When all your renovations are complete, rework your spare room into one of the above suggestions.



Often your spare room can be used for several of these purposes. So next time you walk by that room, stop a moment to think about the possibilities. Take the next steps today to give that spare room some real purpose and turn it into a room that will give you a feeling of satisfaction and relaxation.





Saltwater is the fastest growing trend in swimming pools





But for kids today this memory is quickly becoming a non-event thanks to the increasing popularity of saltwater pools.



Saltwater pools work by converting salt to chlorine using an electrolytic converter. This produces the same type of bacteria-killing chlorine found in a traditional pool, but in a radically different fashion. Since the salt generator is adding chlorine to the water at a constant rate, it is capable of displacing the bad smell and burning irritation we normally associate with chlorine and maintaining the right amount at all times.



As the water exits the converter and enters the pool, the sanitizing chlorine eventually reverts back to salt, and the process repeats itself, conserving salt and keeping sanitizer levels balanced. However new salt does need to be added occasionally as salt levels can drop due to splash-out, rain and filter back-washing. Pool owners still should test weekly for pH and chlorine and monthly for other water balance factors.



Saltwater pools require far less maintenance than traditional pools and are much less expensive to maintain as pool salt is far cheaper than traditional chlorine. This is a big reason why so many hotels and water parks in the United State have already made the switch. Plus when it comes to initial construction and installation, the additional cost of an electrolytic converter is very small and easily made up in maintenance savings. Even converting an existing chlorine pool to saltwater can be paid off quickly.



Saltwater pools are certainly not new. The technology started in Australia and over 80 percent of all pools there use this system. In the United States, saltwater pools have grown exponentially in popularity. According to data published in Pool & Spa News, there are more than 1.4 million saltwater pools in operation nationwide and an estimated 75 percent of all new in-ground pools are salt water.



Some may be concerned about the effect of salt on pool equipment, construction materials, decks and surrounding structures. However the actual amount of salt used is very low, less than .01 as salty as sea water. You may be able to taste the salt in the pool, but much less so than you can taste and feel the chlorine in a standard pool. When pools are properly constructed and normal maintenance is followed, salt water has no effect on pool finishes, equipment and decks.



Since the Evergreen Commons senior center in Holland, Mich., converted its 65,000-gallon pool to salt water, members have been pleased with the results. "The minute you walk into the pool area you notice a big difference," says Jodi Owczarski, the center's community relations director. "There is no longer that chemical smell. People also tell us that the water is much softer. In the old pool, people said they sometimes had to wash twice to get all those chemicals off, but in this pool, they only have to wash once. All in all, people have been thrilled with this new system."



To learn more about salt water pools and other uses for salt, visit saltinstitute.org.



Wednesday, September 9, 2015

Soundproofing floors the easy way



If you've ever had to listen to children, pets or household members making a lot of noise when all you wanted was peace and quiet, you already know the importance of soundproofing floors. If you have an older home, you probably deal with this regularly. In years past, people weren't as concerned with soundproofing as they are now. Lucky for today's homeowners, there are now many different options and methods for soundproofing floors.



Changing the Flooring Itself



It's no secret that carpet is much quieter than tile or hardwood. However, since hardwood floors are the most infamous floors for causing annoying echoes and heavy footsteps, here we'll focus on hardwood floors.



Installing a new hardwood floor is the best time to think about soundproofing floors. Ask your retailer or contractor about the sound ratings of different species of wood and different manufactured wood flooring materials. Soundproofing floors is much easier if you take it into consideration from the very beginning.



Blocking the Noise



Soundproofing floors is not a complicated idea. You just need something between the hard flooring and the rest of the house to absorb noise. There are many different options for materials to place between the floor and the sub-floor to accomplish this.



Cork is very good at absorbing noise, and it's being looked at with new interest lately as a more environmentally friendly form of soundproofing your office and home floors. You'll only need a very thin layer, since cork is a very dense substance. This thin layer will be laid first, and then you will install the sub-floor and finally the hardwood.



If you've ever been in a school, office building or hospital, you're already familiar with acoustic tiles. These panels were designed to dull echoes, and this is why they're popular in large, open spaces. However, they also make an excellent for soundproofing floors! Simply install them as you would cork, making allowances for the differences in thickness.



You may have noticed, in real life or on television, the odd-looking panels which line the walls of professional recording studios. Generally known as sound-deadening panels, these panels do just that...deaden almost all noise. For this reason, they are very adaptable for soundproof flooring. They are generally thicker then acoustic tiles, but if you plan accordingly, you can create an almost entirely soundproofed floor with minimal effort.



When New Floors Aren't an Option



If you rent and can't redo your floors, or if it's just not an option for you financially, there are still steps you can take for soundproofing your floors. If you value quiet over the look of hardwood, consider putting down carpet. Many families have a "no shoes" policy in their homes. Area rugs offer the same sound-deadening benefits of carpet with the added bonus of being moveable.



There are many different options for soundproofing floors, with something for every taste and budget. Do your research, and decide which options is right for you. Once the work is done, you'll get to enjoy a beautiful floor without the constant annoyance of excess noise.



Wednesday, September 2, 2015

Go-big upgrades that can help a lingering home sell at last



(BPT) - Everyone knows spring and summer are the best months in which to sell a home. If your house has lingered on the market, you may be eager to find ways to freshen its appeal for potential buyers. Perhaps you're even ready to go big and invest in upgrades that will improve the home's value, curb appeal and interior allure so much that potential buyers just won't be able to walk away from it.



If you're at that point, first figure out how much you can reasonably invest. Will the improvement increase your home value enough to allow you to recoup its cost? Maybe not, but if your priority is a faster sale, return on investment might have a different meaning for you.



Next, look at areas of your home where improvements will have the biggest impact - spots that are the least appealing or those that have the most appeal. Upgrading a less-than-great room can bring it up to snuff, but upgrading a good room could make it absolutely smashing. For example, painting a small bathroom in a bright color could make that cramped space feel bigger. Adding a skylight to your kitchen, bath, or other area in your home however, will really make a splash with abundant natural light and fresh air.



Here's a room-by-room game plan for high-impact upgrades that could make buyers fall in love with your home:



Anywhere



Buyers are, universally, looking for beauty and value. Any improvement that gives both can directly impact your ability to sell your home. Adding a skylight is a great way to enhance a home's visual appeal, livability and energy efficiency while improving indoor air quality by introducing much needed fresh air into the home.



Natural light can make a small room look bigger and brighter, and create a more healthful environment. Adding a traditional or tubular skylight to any room in the house brings more natural light into your home. Plus, Energy Star-qualified, solar-powered fresh-air skylights, like those made by Velux America, can provide fresh air through cost-efficient passive ventilation to reduce humidity and stale air, and heating, cooling and lighting costs. Add remote-controlled, solar powered blinds, and you can boost a skylight's energy efficiency by 39 percent, Velux states.



Finally, this is one high impact investment that can actually put cash back in your pocket. Installation of energy-efficient no leak solar powered fresh air skylights and blinds can qualify you for up to a 30 percent federal tax credit on the -products and installation costs. Visit www.veluxusa.com to learn more and calculate your tax credit for new or replacement skylights.



Kitchen and bathroom



Any Realtor will tell you great kitchens and bathrooms can sell a house. If yours are only so-so, they could be what's standing in the way of getting an offer. If you've already done the basics - cleaning and decluttering, repainting and replacing dated cabinet hardware - it may be time to pull out the big guns.



New appliances and fixtures will cost you a few thousand, but can go a long way toward wooing buyers. New appliances look great, are more energy-efficient, and provide buyers the peace of mind knowing they won't face repair or replacement costs any time soon. New fixtures such as rainfall shower heads and touch-free faucets add an element of luxury to the most common bathroom.



Adding a tile backsplash or new wood-look laminate flooring in the kitchen, and new tile floor in the bath can also create a big impact - and for less money if you do the work yourself. Replacing lower-quality or older countertops is also an eye-catching upgrade. The trick is to find the improvement that will have the biggest visual impact in your space.



Living room/family



When buyers enter your home, chances are the living room or family room will be one of the first rooms they see. Their impression of that room can set the tone for how they perceive the rest of the house. Again, assuming you've done the basics - painting, window treatments and accessories - a major upgrade in this room can have a winning impact.



If your home already has a fireplace, take a close look at it. What can you do to make it more appealing? Does it need a new facade? Larger gas logs or a better blower? Can you upgrade the mantel? If your home lacks a fireplace, adding one can be a great selling point. It's possible to add a gas fireplace for less than $5,000 in most homes. Adding a gas insert to a wood-burning fireplace is even cheaper.