Tuesday, December 27, 2016

Smart, stylish renovations for any age



(BPT) - Most Americans over 50 want to stay in their home as they age, but few are making the renovations they need to ensure easy and comfortable living for years to come.



In fact, 80 percent of people older than 50 say they would prefer to remain in their home indefinitely, according to an AARP survey. The Hartford and MIT Age Labs found that while 96 percent of baby boomers are aware of the changes they could make to their current home to make it more comfortable as they grow older, only 26 percent have made such modifications.



Consider some of the following functional, yet beautiful, touches that help make a home safer and more comfortable for residents of all ages.



* Hardwood floors



Replacing carpet with hardwood floors can help accommodate difficulties ranging from respiratory problems to decreased mobility. Unlike carpet, hardwood flooring doesn't trap dust, pollen or other particles that cause problems for those with allergies and respiratory issues. Wheelchairs and other mobility equipment can glide more easily over a hard surface, and hardwood floors require far less maintenance. Homeowners can choose from a variety of hardwood flooring options that meet their needs and fit their budget at retailers such as Lumber Liquidators, North America's largest specialty hardwood flooring retailer.



* New furniture



Changing out furniture can make a huge difference in the comfort and style of a home. Enhance maneuverability by allowing ample room between furnishings, and by picking accessible pieces such as counter-height dining tables and chairs. Likewise, it's easier to sit in and stand from firmer sofas and chairs than deeper, softer options.



* Kitchen updates



Kitchen shelves that pull out make utensils, pots and pans, and ingredients much more accessible, and do not require a kitchen remodel. A wide range of products and kits enable homeowners to easily install sliding shelves themselves, or they can hire a contractor to do the job. Also, consider swapping out knobs for handles on cabinets and drawers to make them more accessible and easier to use.



* More lighting



Make sure all areas of your property - inside and outside - are well lit. Pendant lamps, inset ceiling lights and track lighting help illuminate a room from above, preventing glare that can cause temporary blindness. Opt for switches to turn lights on and off, and locate them at the entrances of each room. If a home's wiring isn't set up this way, the homeowner may need to contact an electrician.



As we age, we want to remain as independent as possible, which includes being able to stay in our own home for as long as possible. With a few functional changes, homeowners can create a beautiful space now that can enable them to live more comfortably later.



Wednesday, December 21, 2016

Why DIY? Projects can pay you back big time



(BPT) - Hiring professionals to get jobs done around the house may be convenient, but it can set your budget back quite a bit. Instead, consider doing it yourself - not only to save big bucks but also to showcase your creativity. Do-it-yourself (DIY) home improvement is a major trend that will pay you back many times over.



Mind-healthy hobby



DIYing is a hobby that many find relaxing, and can be good for the mind, body and soul. For an enjoyable diversion in your spare time, consider reinventing items around the house for a DIY project that you and the whole family can appreciate. Have an old dresser that could use a bit of TLC? Add a coat of paint in your favorite color and updated hardware to make it look brand new. The once impressive chair that your parents passed down may also be in need of a makeover - find a fabulous fabric that matches your design style and use it to reupholster the seat for a fresh look. These projects will not only look good, but will provide a great sense of accomplishment every time you look at them.



Win cash from contests



To give homeowners the encouragement to turn their Pinterest board inspiration into a reality, FrogTape brand painter's tape invites DIYers to submit their painting projects for the fifth annual Earn Your Stripes room makeover contest. The most impressive DIY painting project will win a $5,000 grand prize, while second place collects $2,500, and third place earns $1,000. To enter, document the before, during and after process using a FrogTape product and enter by July 1. Entrants can be as creative as they please with their full room transformations by painting walls, floors, accessories, furniture and more. To enter and see the official rules, visit frogtape.com/earnyourstripes. The prize money could do more than just reward and acknowledge your hard work - you can invest it in your next DIY project.



Saving money



By upcycling items instead of buying brand new, you can save hundreds and even thousands of dollars. In addition, perusing through thrift shops can reveal hidden houseware gems with high potential. Adding your special, creative touch to these items will make them one-of-kind.



Some home improvement tasks on your checklist may also be more feasible to DIY than you think. Those closet shelves you've been pondering or that patio flower garden you've dreamed of can come to fruition in just a weekend; with a little research and the right supplies. However, for the more technical work such as plumbing, structural and electrical work, you may want to enlist a professional for the job.



Make money



As social media has surged in popularity over the last 10 years, so have independent businesses. Pinterest, Instagram and Facebook all provide a platform for self-promotion and many DIYers have used this to their advantage to display their projects for sale. In addition to selling via social media, many opt to sell on websites such as Etsy or Ebay. These websites provide a win-win situation for both the consumer and the DIYer, as the buyer can often request custom items for special occasions typically unavailable at retail stores. Plus, the seller is able to earn cash based solely on their crafting talents.



DIYers can also expand their business and increase profit by creating a blog with tutorials on how they completed certain projects. It takes a lot of passion and patience, but if the website garners a sizable audience, bloggers can make a living from advertising and sponsorships on their site. Bloggers may also have the opportunity to partner with a corporation to use their product in various posts in exchange for compensation.



There are infinite reasons to venture down the DIY path. In addition to cost savings and the rewarding satisfaction of creating pieces on your own, there's always potential to turn your passion into profit.



Tuesday, December 13, 2016

Turn over a new leaf this season with a home energy makeover



(BPT) - As the seasons change, turn over a new leaf and give your home an energy makeover. You can improve your home's comfort while helping the environment by making your home more energy efficient, according to the U.S. Environmental Protection Agency. In addition, a variety of compatible technologies are available to help manage your home's comfort systems more efficiently and economically. Here are some tips to get you started.
  • Schedule an overall home energy audit: How does your energy use at home measure up? Annual analysis of home energy efficiency can save you money in the long run and ensure your home runs smoothly. A certified energy auditor will complete an energy analysis of your home by measuring windows and checking insulation, ductwork and building materials. You can identify local certified professional energy assessment services through Residential Energy Services Network. Taking five minutes with energy bills at hand, you can also input your information online at Home Energy Yardstick by Energy Star to receive a topline home energy analysis.
  • Improve comfort while staying efficient: Up to 72 trillion allergens find their way into your home every day. Not only can dirty air make your family less comfortable, but it can also pose problems for how efficiently your systems continue to work. By installing a reliable indoor air cleaner, you can remove irritating particles such as dust, pollen, pet hair and dander, dust mites, mildew, lint, fungus and bacteria, which can slow the performance of your overall heating and cooling system. For example, an energy-efficient model, such as the AccuClean from American Standard Heating & Air Conditioning, an Ingersoll Rand brand, removes up to 99.98 percent of allergens down to 0.1 micron in size, making it 100 times more effective than a standard one-inch throwaway filter.
  • Adjust your thermostat: Another way to manage home energy is to simply adjust your thermostat. For every degree you raise your thermostat in the summer, you can cut cooling costs up to 6 percent, and for every degree you lower your thermostat in the winter, you can save about 3 percent. (Potential energy savings may vary, depending on such factors as your lifestyle, system settings, equipment maintenance, local climate, equipment and duct systems.) A programmable thermostat is loaded with a multitude of built-in sensors, reminders and alerts, and it allows you to program as many as four energy-saving schedules for every day of the week, to reduce energy consumption up to 15 percent.
  • Manage energy efficiency from anywhere, even while you're away: For the ultimate in convenience, you can even monitor and adjust your home's ecosystem from anywhere using most Web-enabled mobile devices. For instance, Nexia Home Intelligence, also a brand of Ingersoll Rand, combines wireless technology with simple Web access. You can use it to reduce energy consumption and costs by putting your heating and cooling system into an energy savings mode while you're not there, plus control numerous other functions to manage the comfort, safety and efficiency of your home while you're away.
  • Choose energy efficient products: If you're looking for new energy-efficient products such as doors, heating and cooling systems and windows, ensure they are labeled with the Energy Star designation. The EPA's Energy Star program was created to reduce the nation's energy consumption. For more information on reducing energy use, visit www.epa.gov/greenhomes/ReduceEnergy.htm.


By taking steps to give your home an energy makeover, you'll not only keep your family more comfortable, but you'll also save money by streamlining home operations - so you can spend more time enjoying the seasons.



Tips to navigate the real estate landscape and find the perfect home





Annette Lawrence, academic director of design programs, at The Art Institute of Ohio - Cincinnati, and Marissa Alexander, interior design program coordinator at The Art Institutes International Minnesota, offer these tips to navigate the real estate landscape.



Before you ever step out of your current home, make a list says Alexander. Your list should include one column for "must haves" and another for "wants." "The wants you can compromise on," advises Alexander. If you know what you are looking for and what you can't live without, it's a lot easier to find it.



Many people get caught up on the basic aesthetics of a home. "The paint is not a big deal," says Lawrence. "Countertops are not a reason to choose a home or cross it off your list." The shag carpeting can be ripped out and replaced. These are all easy fixes.



You should beware of the fixes that can break the bank. Will the roof need to be replaced? What about other big-ticket items like the heating and cooling system? Does the perimeter of the house slope toward it? That could mean flooding during a heavy rain. And what about the structural integrity of the foundation? A good inspector will spot the red flags and could keep you from making a costly mistake. That inspector will also check the chimney, the insulation in the attic and the gutters and spouts.



And there are things you can check on before you call in an inspector. "If you want to know whether a floor is warping, just take a ball and roll it across the room," says Alexander. If it doesn't roll straight across, it could signal issues with the foundation.



Figure out what kind of layout you want for your house. "Ask yourself what kind of floor plan you like," says Lawrence. "Those are the kinds of things that are costly to change." If the floor plan is right for you, the cosmetics will be a fairly easy and inexpensive fix.



While you may think that this home purchase will be one of many, you should consider the possibility that this could be your home for decades to come. That's why Lawrence is a big proponent of finding a home that allows you to "age in place." She suggests you find a home with a first floor master bedroom and laundry room. Also consider how many steps there are from the driveway into the home. Are the hallways and doorways wide enough for a wheelchair or a walker?



Even if you do not think you'll need these accommodations, consider your home's "visitability." If you have elderly relatives or friends with disabilities, are they going to be able to come to your new home? "My grandmother was one of my most frequent guests," explains Lawrence. "I had low lighting and had painted the walls dark colors. Consequently, she couldn't see too well when visiting."



Wednesday, December 7, 2016

Small improvements indicate Americans taking steps toward better credit



When you're struggling with thousands of dollars of debt, saving a few bucks here or there may seem like a drop in the bucket. Yet in financial terms, those drops add up, and can ultimately create a more positive overall picture. That seems to be the case for the country, as evidenced by a recent report on credit scores and credit habits among American consumers.



Experian's third annual State of Credit report, which analyzes the average VantageScore (an industry-leading consumer credit risk score with scores ranging from 501 to 990, with higher scores representing a lower likelihood of risk), debt levels and credit use of people living in more than 100 U.S. cities, found that in the past year:



* Americans' average credit scores edged upward for the second consecutive year.



* Average debt decreased slightly.



* Income rose by nearly one and a quarter percent.



* Foreclosures fell by 12.59 percent.



* Among the 10 cities with the highest credit scores, eight had improved average scores over last year. Among the 10 cities with the lowest average scores, seven also improved their credit scores.



The cities with the highest average credit scores were: Minneapolis (787); Madison, Wis. (786); Wausau, Wis. (785); Sioux Falls, S.D. (784); Cedar Rapids, Iowa (783); San Francisco (783); Green Bay, Wis. (781); La Crosse, Wis. (779); Boston (778) and Duluth, Minn. (777).



The lowest average scores were found in Harlingen, Texas (688); Jackson, Miss. (702); Corpus Christi, Texas (706); Shreveport, La. (708); Monroe, La. (709); Augusta, Ga. (710); El Paso, Texas (710); Myrtle Beach, S.C. (710); Memphis (711) and Savannah (713).



While many of these indicators point toward a renewed focus by Americans on wise credit habits, there are also signs that consumers still have room for improvement, says Maxine Sweet, vice president of public education for Experian. In uncertain economic times, credit and debt management is often viewed as an indicator of Americans' overall financial well-being. As our nation and individual consumers struggle to emerge from recession, establishing and maintaining good credit has never been more important.



Sweet offers consumers some basic credit information:



If you haven't already done so, check your credit score and report so that you have a benchmark for improvement. It's important to understand the financial behaviors that influence the information in your credit report. Once you understand how your financial behaviors affect your credit report, you'll be able to take steps to improve your credit history and, subsequently, improve your scores. Factors that affect your credit score include:



* Bill payment history - Paying bills on time is the single most important contributor to good credit. Late payments negatively affect your ability to get credit since they indicate a stronger likelihood that you will make late payments again or will be unable to pay your debts in the future. Even if the debt you owe is a small amount, it is crucial that you make payments on time.



* Credit card balances and other revolving credit - If you max out your credit card or charge balances that are very close to your limit, you will increase your balance to limit ratio, or utilization ratio. A high utilization ratio may indicate that you are tempted to charge more than you can pay and therefore, negatively affect your credit score.



* Length of credit history - How long you've had certain accounts matters for your credit history. What's more, if you have negative information on your credit report, time is your ally in improving your credit score. While steps like catching up on late payments and paying down debts can help improve your score, there is no overnight fix for a low credit score. Improving your score will require time and discipline.



To learn more about building and maintaining a strong credit history, visit LiveCreditSmart.com.



Tuesday, November 29, 2016

Easy season: Fall gardening spells success





Favorable fall conditions mean growing cool weather crops is comparatively easy, with less watering and care needed for a successful garden. Cool crops will start out strong, growing quickly and then slow their growth as days become shorter and cooler. You'll also need to work less to protect your garden from pests, as both insects and animal populations will taper off in fall. And since weeds will germinate less frequently and grow slower, weeding won't be a time-consuming task. Finally, more rain and less sun and heat mean you'll need to water less.



If you're ready for gardening success, now is the time to grab that hoe, break some ground and get growing. Tips to get you started:



Pick your plants



Start with transplants, rather than seed. A shorter, gentler growing season means you need to get started right away. Many local garden centers will have a selection of transplants from producers like Bonnie Plants that will grow well in your geographic region. Transplants will be six weeks old and give you a jump start. You'll be able to harvest sooner than if you start from seed and skip the volatile, sometimes unsuccessful, seed-starting process. Bonnie's transplants come in earth-friendly biodegradable pots, making planting easy, preventing transplant shock and sparing the use of much plastic. As the pot biodegrades, it'll add nutrients to your soil, too.



Choose cool crops that your family likes to eat. Popular fall favorites include:



* Lacinato kale -A cold-hardy vegetable, kale leaves sweeten after frost. Kale is a super food, and Lacinato leaves extend excellent health benefits, lowering cholesterol, fighting cancer and decreasing inflammation.



* Early dividend broccoli - Many greens love the fall, and broccoli is no exception. Plant stalks 18 inches apart and get ready for an easy, hearty harvest. Broccoli is high in fiber and calcium.



* Cabbage - The quintessential fall vegetable, Bonnie's hybrid cabbage grows large, round blue-green heads. From salads to stews, cabbage adds a punch of flavor and nutrients like beta-carotene, vitamins C and K, and plenty of fiber.



* Romaine lettuce - Romaine packs a big punch with more vitamins, minerals, fiber and phytonutrients than other popular types of lettuce. Rich in fiber, vitamin C and beta-carotene, romaine is especially good for heart health. Space transplants 18 inches apart.



Once you know what you'll be planting, it's time to get the ground ready. Remove any garden debris from the past season's garden and remove weeds before they go to seed.



Size up your soil. Loosen compacted soil, fluffing it up with a garden fork. Soil test and amend if necessary. Adding a 2-inch layer of bagged compost is always good practice. You can also spread a balanced fertilizer, such as 10-10-10, according to labeled instructions, for added nutrients.



Plants will need an inch of moisture per week, either through rain or supplemental watering. You might want to consider raised bed planting; beds are easy to build or buy and allow you to start out with good quality soil. Plus, you'll bend less come harvest time.



Position your plot and let the sunshine in. Most vegetables need full sun - at least six hours per day. Finally, don't fear frost. When frost threatens, cover plants with floating row cover, cold frame or a cloche. Or, you can grow fall veggies in a container and move pots to a protected location on frosty nights.



Whether you're working in the backyard, a raised bed or in containers on a deck, you'll see how easy and successful fall planting can be. Start now to ensure you enjoy a healthy, plentiful and fulfilling fall harvest. For more tips on fall gardening visit www.bonnieplants.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 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 23, 2016

Five things before purchasing a house



One of the main purchases you are going to make is buying a house. You have to think through all of your options before making the decision. Here are some of the things you need to know before you buy a house:



1) It is essential that you have good credit. You will most likely obtain a loan to buy a house. Thus, you should ensure that your credit is good for a smooth sailing application. It would be better to check your credit history frequently for your own security as well.



2) Prepare for long-term debts. Keep in mind that it will take years before you will be able to pay for the house completely. Ensure that you will be able to manage payment for the mortgage. Having a financial cushion is significant. Since the debt is long-term, anything can occur.



3) Most loans need a document from the appraiser so it is better to get their opinion when you see a potential house. The appraisers are experts in giving values to properties depending on the location, structure, features, and added extras to the house. This will stop any sales representative from over pricing the house.



4) It is very attractive to buy a beautiful house at a very cheap price. Before you decide on purchasing the beautiful house, ensure that it has a safe environment. Take note that one of the factors that make a house costly is good location. If you think that the price is much cheaper than it looks, the locations may not be that attractive. Ask the appraiser why the value is low. It could be that the neighborhood is not safe. These factors are very important in your decision-making.



5) Make sure that the house you choose suits your lifestyle. No matter how beautiful the house is, if it does not coincide with your behavior, you will not be comfortable in it. When you choose a house, make sure that it makes you feel at ease.



Your financial state is most important when planning to a buy a house. This makes it essential to monitor your credit on a regular basis. Finally, you have to learn as much as you can about the home before purchasing it.



by: Sheldon Kalnitsky



http://www.articlecity.com/articles/home_improvement/article_3792.shtml



Tuesday, November 15, 2016

Life insurance for kids: Long term benefits come from early investment



Being protective goes hand-in-hand with being a parent. From hand sanitizer gel to bike helmets to high-tech car seats, moms and dads will go to the ends of the earth to keep their little ones safe, sound and happy. But eventually, the scrapes and bruises no longer need a healing kiss, the training wheels come off the bike and the day comes when they're driving to school - not just high school, but college. You might be surprised, but there are actions you can take now that will protect them then - and even beyond.



It's not uncommon for new parents to consider adding life insurance coverage to the other policies that they carry, like car and health insurance. It can be a difficult thing to think about, but it's an added protection that will ensure that kids and the surviving spouse will be taken care of in the event that one parent dies. However, there are other ways in which a life insurance policy can make a difference for your child.

It might not be something that immediately comes to mind, but taking out a life insurance policy for your children could have lasting benefits for their financial future. However, doing so when they are still young could not only add up to cost savings over the long term, but better protection of their assets as they themselves get to an age at which they'll consider a family of their own.

In practical terms, giving your children the gift of a life insurance policy protects them from medical underwriting and high costs. You'll be establishing the coverage early enough that costs will be lower, particularly in the initial stage, and it can help to keep them manageable further down the road, depending on the plan.

Over the years, a life insurance policy can become an important part of your children's financial protection. And once they're at the right age to have the discussion about how to be financially responsible, it can be a helpful example, among other lessons like establishing good credit and smart spending habits.

Some insurance plans will allow your child to make changes as their life progresses, giving them the chance to increase coverage as they go through life's milestone events, like getting married, taking out a mortgage to buy a house and having children of their own. Premiums will naturally increase with added coverage, but the added costs associated with medical underwriting will be eliminated.

Looking out for your kids is an instinct that will never fade. As they grow, you'll help guide them on the right path in life, but at some point, they'll be off on their own. Giving them long-term protection when they're young will ensure that you're helping to watch out for them, long after they've left the nest.



Create an outdoor sanctuary in your backyard





Backyard sanctuaries incorporate peace of mind with a spa-like atmosphere. Some do this with plant features, others with water. Here are some tips to build an outdoor sanctuary in your own backyard.



1. Create a walkway - A beautiful walkway around your backyard, through different scenic zones, can help you to clear your mind of troubled thoughts. This walkway can be a paved path, or composed of stepping stones or gravel and woodchips. Consider planting different gardens close to the walkway, inviting walkers to immerse themselves within the blooms and scents wafting from the flowers.



2. Incorporate a seating area - This space doesn't have to be large, but give it a sense of ambiance with an arbor made of cedar to allow plants to grow taller, or a pergola to provide shade and that wonderful natural aroma that cedar gives off. Natural materials like Western Red Cedar weather naturally, and are rot-resistant, giving homeowners a durable and long-lasting material to enjoy for years to come.



"Using Western Red Cedar for backyard sanctuary seating areas gives homeowners a variety of design options to work around," says Mark Clement, a building expert and co-host of "My Fix It Up Life" which airs nationally on iTunes, Blog Talk Radio and myfixituplife.com. "This wood is sustainable, environmentally friendly, easy to work with, ages beautifully, and, when incorporated into an arbor or pergola design, makes a stunning visual element to the space."



In this seating space, place a bench, outdoor patio furniture or even comfortable lawn chairs to encourage family members to stop for a rest and settle their thoughts for the day. If the family is into yoga or meditation, consider keeping mats in a nearby storage container for quick and easy access.



3. Design for both night and day - Sometimes a sanctuary space is most needed when the moon is shining brightly. Plan for this with a lighting design in the backyard. Provide illumination to pathways, the deck area, and in garden clusters to give a new sense of beauty to the plants. When designing your lighting scheme, be careful to avoid creating any scary shadows. If you notice this occurring, adjust the lighting to come from a different direction, or try using a different light. Also consider what form of light you would like. Would you prefer low watt electric lights, or candlelight, which would require a person to spend time preparing?



Once your backyard sanctuary is built, your family will have a place handy where they can escape for some peace of mind.



Wednesday, November 9, 2016

Revive your bathroom quickly, easily and affordably



Remodeling projects have increased in popularity over the past few years as homeowners have decided to improve on what they have, rather than take a risk in the real estate market. Whether you're hoping to sell your home or create a more enjoyable living space, tackle home improvement projects that make a big impact and add value.



One of the top return-on-investment remodeling projects is updating a bathroom. Bathroom updates even outweigh kitchen projects in terms of getting back what you spend, according to CNN Money. And, if you take a cost-conscious approach and do the project yourself, your investment return will be even better. Renting tools is a key way you can cut costs and bring new life into your bathroom.

There are plenty of remodeling tasks that are easily accomplished by renting tools, versus the cost of buying expensive tools or hiring someone else to do the work. Visit www.rentalhq.com to find an American Rental Association member rental store in your area.

Bring new life to your bath with these tips:
  • Replace old tile. Outdated tile is a common problem that makes bathrooms look old. Replacing it with fresh new tile that is in style will instantly give the room a modern look. Tiling is a DIY project that anyone can tackle, with the right tools. Rent the necessary items like a tile stripper, a tile saw and a mortar mixer to keep your project costs down.


Revive%20your%20bathroom%20quickly%2C%20easily%20and%20affordably Refresh the ceiling. Ceilings can become dingy over time, and you might not suspect them as the culprit that's making your room feel dull. You'll notice a dramatic change if you liven it up with fresh new texture and paint. Texture sprayers are an unusual tool for most DIY warriors to own, but you can easily rent one to make the job quick and inexpensive.
  • Add personality with paint. Another simple fix that can be done is adding a new paint color. It's an easy, quick, and cheap project and can totally change the look and feel of the room. Opt for one of your favorite colors or scour interior design websites and magazines to find a trendy color that gets your attention.
  • Change hardware. Some faucets and cabinet hardware clearly show their decade of origin. Switching out old hardware is relatively simple and a great way to make a dramatic change in the look of your room.


These projects set the stage for creating a new feel for your bathroom. Make the revived space a reality by choosing a decorating theme and accessories that complement it. Items like window treatments, throw rugs, and wall art make the room feel more complete and stylish. To get your project started, visit www.rentalhq.com.



Wednesday, November 2, 2016

Bathroom remodeling ideas: From small to total overhaul



Ready to give your bathroom a face-lift, but can't decide what changes to make? From tubs to toilets to tile, the sky is the limit when it comes to bathroom renovations, even if budget is not.



Whether you are planning some small do-it-yourself changes, or a major overhaul, here are some fresh ideas for bathroom remodeling that will help you build the smart, stylish, and functional bathroom of your dreams.



Start living large

Feeling crowded in a small bathroom? For a small-budget fix-up, replace your old space-wasting vanity with a smart open-design style that maximizes storage, while visually opening up the room.If your project is major and you are opening the walls, replace your floor-mounted toilet in favor of a wall-mounted toilet, such as Porcher Solutions Dual Flush toilet, which stows the water tank behind the wall. The Porcher Solutions toilet is water-wise, as well as space-savvy, and the EverClean surface inhibits the growth of stain and odor causing bacteria, mold and mildew on the surface.



Focus on your faucet

If you have a small budget, making a simple change like updating a bathroom faucet and accessories can still have a dramatic impact on the style of the room. Faucets with the Speed Connect drain can be installed in minutes, and reflect any decor choice, from traditional to minimalist in popular finishes such as oil-rubbed bronze and polished chrome. Change light fixtures and drawer pulls to match your faucet, splurge on some updated colors for towels and rugs and you have a beautiful before-and-after makeover of your very own.



Think accessible

A bathroom remodel is a great time to invest in fixtures that will allow you and your loved ones to remain independent in your home through illness, aging or other unforeseen events. The best products also work great and feel terrific in the here and now. A taller, Right Height toilet is a luxurious comfort. If you rarely use your bathtub, it can be easily replaced with an acrylic seated-safety shower unit that simply slides into your existing tub recess. Optional acrylic surrounds are easy to install and easy to keep clean, while the integral seat provides a safe option for both bathing and shaving.



Go green to save green

The cost of water will be rising, so get ahead of the curve by choosing toilets, faucets and showerheads that carry the EPA's WaterSense certification label. The label assures that you won't be sacrificing performance. Visit www.responsiblebathroom.com for a wide range of WaterSense-certified products and a handy calculator so you can watch your water, and money, savings add up.



Tuesday, October 25, 2016

Moving in the military? How to make the process easier





Permanent Change of Station (PCS) and Personally Procured Moves (PPM) come with military assistance to help soldiers and their families make the transition. Families can also take advantage of the do-it-yourself (DITY) option offered by the military, which could make the overall transition much smoother.



No matter how quickly the move happens, or what kind of moving assistance your family requests, here are some moving tips from Penske Truck Rental to help keep everything in order.



* Planning - PCS notifications can come without a lot of warning, or families may know about a potential move far in advance. For both instances, getting a plan in place is a good start. Gather important information into one folder, containing phone numbers, contact names, dates, receipts and checklists in this folder so you can easily track everything about your move. For some planning tools that focus specifically on military moves, visit the U.S. Department of Defense website.



* Moving - Many families choose the DITY option because it gives them more control over the move, and they can also potentially make some money in the process. The military provides an allotted cost for moving, and if you can come under that cost through your own planning, the military will pay you the difference. For example, Penske Truck Rental offers active military personnel a 10 percent discount when they reserve a truck online, and an additional 10 percent off when they show an active military ID while picking up the truck. Penske will price-match any competitive offers on one-way truck rentals as well. Visit www.DITYmove.com to learn more.



* Weights - Military rules require soldiers to certify the weight of the rental vehicle when empty and after it's fully loaded. Weight limit reimbursements are set depending on a soldier's rank and dependents, but the traditional weights are estimated at 1,000 pounds per room, excluding bathrooms and storage areas. Then add in the estimated weight of large appliances, garage items and items in storage. Compare this number to what is allowed and determine if you can reduce the load in any way to avoid paying overweight costs. To help with weight certifications, Penske offers a Certified Public Scale locator tool online to help DITY movers in finding weigh stations.



* Contact info - File a change of address form at your local post office so mail can be forwarded, and also make certain your new information is updated with your specific branch of the military.



* Explore - Get to know your new neighborhood, both on and off base. If you have children, explore the schools and the after-school activities available. Learn a bit about the city's history and gather information on the services the city offers so that on moving day, your water and electricity will be available when it's needed.



When in the military, a move is practically inevitable, but the process can be much less stressful on both emotions and finances with a little organization and planning from the get-go.



Create an outdoor space that 'wows'



(BPT) - Whether you own a cozy cottage or mega mansion, as a homeowner, you likely embrace the outdoor living trend. But when you look at your deck or patio, does it leave something to be desired? By taking a do-it-yourself (DIY) approach, you can affordably create outdoor spaces that enhance the style and functionality of your home, plus add to the overall value of the property.



Here are a few of the leading trends that the DIY homeowner can use to cost-effectively create an outdoor space that "wows:"



Rent rather than buy



Upgrading or adding a deck or patio can feel overwhelming unless you have the right equipment to do the job. Renting what you need saves money, plus helps you maximize your time so you can enjoy your new outdoor space sooner. From power washers and saws for cleaning and cutting, to utility loaders and tampers for digging and compacting base materials, you'll find everything you need at your local American Rental Association member rental store. Visit www.RentalHQ.com for locations near you. Not sure what you need? The pros at the shop are specially trained and can help you choose the best time-saving tools for your project.



Use pavers for patios



Whether you're looking to refresh your current patio space or are starting from scratch, patios are great ground-level entertainment spaces. More homeowners are opting for pavers to level and define the space, which adds elegant detail, rather than a bland concrete slab. Find pavers in varying shapes, sizes and colors at your local home improvement store. Remember, by digging and installing a base layer, your pavers are less likely to shift over time. Dig down and compact base material with a rented plate compactor or a tamper before laying the pavers in the desired pattern.



Define your deck



If you're adding a new deck, composite decking material is the way to go. While it costs a bit more than lumber, it lasts longer and is virtually maintenance-free, which will save you time and money in the long run. It's just as easy to work with as wood and can be cut and assembled in a similar manner. If you simply want to refresh an existing wood deck, rent a power washer to quickly clean off dirt, grime and paint chips. Replace gray and tan paint with deep brown hues, which adds a subtle upscale appearance. Modern exterior paint lasts years and some options even fill cracks in wood, so look for a brand that best suits your needs.



Go native with greenery



Adding plants to your outdoor space helps the area feel cohesive with nature. Not sure what to add? Whether for pots, containers or the surrounding landscaping, consider native lawn and plant materials. Not only will they look great and add color and depth to your outdoor space, but they are typically lower maintenance and many require less water. Explore options at your local garden center or state extension service's website.



Create an outdoor kitchen



Homeowners want to enjoy more time outside and that means cooking and dining al fresco. While a basic barbecue grill will do, outdoor kitchens are in high demand. Building your own outdoor kitchen space is simple. Install countertops surrounding your grill and consider incorporating features like a small fridge, gas burners for side items, smokers or built-in storage spaces for spices and cooking tools. Stainless steel continues to be the go-to material for outdoor kitchen features, blending modern style with the organic look of Mother Nature.



Light the night



The right lighting can take a good outdoor space and make it great. Solar lighting is trending for outdoor spaces, and this eco-friendly option is also affordable. Light pathways with solar landscape lighting - eliminating the need for electrical cords. Jazz up deck posts with post caps that provide a gentle glow. Finally, a string or two of white garden lights adds a twinkle to the beautiful ambiance of a summer evening.



Wednesday, October 19, 2016

Remodeling for aging in place today will help sell your home tomorrow



Only one in 10 adults believes this is a good time to sell a home. If you're on hold in the real estate market, now is the time to get your house in order - literally. Make the right changes today, and you'll get a better price tomorrow.



But before you invest in a home-improvement project, consider your potential buyers with this fact in mind: More than 3.5 million baby boomers turn 55 each year, according to the U.S. Census. Since people aged 45 to 64 make up more than a quarter of today's U.S. population, there's a good chance you'll be selling to someone in this age group. Will your home appeal to them?



Your chances will be better if your home has "aging in place" design features that make it easier for older adults to live on their own longer. These modifications are the fastest-growing segment of the home remodeling industry, says the National Association of Home Builders. Because they range from simple fixes to full-scale renovations, making aging-in-place changes can suit any budget.



Best of all, this type of project not only improves a home's resale value for the future, it also increases its safety and comfort for all residents right now.



Add a bath where none exists



Adding a bathroom on the main living level is a smart strategy to appeal to older adults, says national home safety expert Meri-K Appy. "Falls are the leading cause of home injury deaths, and older adults are at greatest risk for them," she says. "Eliminating the need to use stairs and reducing the distance to a bathroom can be a great safety advantage."



A new bath is also a sound investment. This one improvement was shown to return more than 53 percent of its cost at resale in the Remodeling Magazine Cost vs. Value Report.



A macerating toilet system is a good way to lower the cost of adding a bath, says Otis Dardy, owner of Dardy Construction in Conyers, Ga. Dardy recently used macerating, or up flush, technology to install a full bathroom in a home that lacked below-floor plumbing drainage. With conventional plumbing fixtures, Dardy would have had to dig through the concrete, creating a costly and time-consuming mess. Instead, he used up flush technology, which allows you to add plumbing to any room in your home, even the basement, without having to break up the floor.



Macerating plumbing systems pump waste and water from a toilet - as well as a sink, shower, wet bar, even a washing machine - upward through small diameter piping.



Before Dardy knew about macerating plumbing systems, many of his customers who wanted a bathroom couldn't afford the cost of creating new drainage. "I can save them a ton of money now," he says. "It will also work if you want to convert a walk-in closet into a powder room."



Looking for more ways to update a bathroom with aging adults in mind? Put a telephone line in the bathroom. You may also want to install grab bars in and near tubs and showers while adding a hand-held showerhead. It not only makes bathing easier, but it also helps when it's time to wash a pet or clean the tub. Use low, open shelving, and place nightlights in hallways and bathrooms to improve illumination and reduce falls.



Universal improvements



If you're doing a kitchen remodel, consider using nonslip flooring. Some designers recommend cork tiles, which have the added advantage of being environmentally friendly.



To make your kitchen workspace more user-friendly, vary the height of your countertop areas to accommodate both standing and seated cooks, and don't forget to install bright task lighting. Always choose appliances with controls that are easy to read and easy to use.



Push/pull levers are a must for kitchen faucets, and installing thermostatic and anti-scald devices can reduce hot-water burn injuries.



If you're replacing windows, make sure the hardware is easy to operate. Installing a new entry door? Choose a low-maintenance alternative to wood. All stairways inside and out should have two handrails and bright overhead lighting.



Less-expensive improvements include replacing doorknobs with handles that are easier to open and putting D-shaped pulls on drawers and cabinets. Replace any dim bulbs with bright overhead lighting.



Tuesday, October 11, 2016

Home chefs use new technology to cook with ease



(BPT) - Home cooks are spending more time in their own kitchens and less time dining out, according to the January Monthly Measuring Cup Trend Report. Nearly half of surveyed consumers said they're dining out less and are relying more on their cooking skills at home. Fortunately, technology makes it easier than ever for home chefs to prep and cook meals at home and clean up conveniently and efficiently afterward.





"People seem to be enjoying the cooking experience again. With all the kitchen tools and equipment available today, it's becoming even easier for consumers to recreate a restaurant-quality meal at home," says Bob Rodenbeck, research and development director at Delta Faucet Company. "Smart innovations in the kitchen help support this trend by making it possible for aspiring home chefs to design their culinary creations while staying within budget."



Intuitive prep help



From automatic and voice-activated coffee makers to measuring cups that have built-in digital scales, new innovations are making common kitchen prep tools more intuitive. The research and design experts at Delta Faucet spent years studying home cooks before introducing Touch2O Technology, a first-of-its-kind tap-on and tap-off technology for kitchen faucets. With this technology, users can start the flow of water with a forearm or wrist when hands are messy, helping reduce the potential for cross-contamination.



Build-your-own cookbook



Devices like smartphones and tablets are replacing some of the traditional, dog-eared cookbooks and recipe boxes by delivering endless advice at the touch of a virtual button. Food-focused websites such as Epicurious and Allrecipes help cooks not only find new recipes but also allow users to save and organize recipes, read reviews, learn new tricks to enhance their dishes, and share their findings with others. In fact, three quarters of women say they are trying new dishes at home with inspiration from social sites inspired by beautiful visuals and ideas from different cultures, according to the Monthly Measuring Cup.



Smarter kitchen clean up



All that hard work in the kitchen doesn't end after the meal is done, and thanks to new, hard-working storage solutions like silicone containers, home cooks can store leftovers in a more eco-minded and versatile way. Silicone-based storage containers can withstand heat of up to 500 degrees, making them safer for microwave, dishwasher and freezer use. Not sure just how long last night's lasagne will remain fresh? New refrigerator and freezer technologies are incorporating food management systems to help keep track of the location and expiration dates of the food inside.



Eating in never looked so good for today's home chefs, who are getting new forms of support - from prep to clean up - thanks to smart kitchen solutions.



Protect your deck this winter



As the leaves start to change color, you may find yourself reminiscing about the hours of enjoyment spent outside on your deck. While warm weather gatherings and summer barbecues are a favorite pastime of the season, the combination of foot traffic, food spills and weather can take its toll on any deck.



Before the chill in the air turns into harsh winter weather, clean and protect your deck to prepare it for the long winter months ahead.



"Smart homeowners recognize that seasonal changes can wreak havoc on decks unless properly maintained," says Fiona Seal, Rust-Oleum Wood Care brand manager. "But with a few simple steps, you can winterize your deck so it survives the onslaught of ice, snow, sleet and moisture that can cause damage during the months ahead."



Here are a few deck survival tips that can keep your deck looking beautiful longer.



* Clean thoroughly: Ground-in dirt and barbecue stains can ruin your deck's appearance and ultimately cause degrading of the wood. Exposure to sun can cause wood to gray and weather and exposure to moisture can create the perfect conditions for the growth of mold, mildew, moss and algae. So it's important to clean your deck thoroughly to remove the remnants of summer and get it ready for winter.



Use a bleach-free cleaner specifically formulated for wood to restore your deck to its natural beauty without the bleaching or yellowing that chlorine bleach can cause. Cleaners like JOMAX Deck Wash loosen and lift dirt, and remove gray weathered wood and stains from mold and mildew to prepare the deck for a new protective coating. And the convenient hose mount applicators make these cleaners easy to use. Just attach to an ordinary garden hose and spray. It's that simple.



If your stained or painted deck has seen better days, consider stripping any faded or deteriorating finish prior to applying a water repellent sealer or stain.



* Apply a protective finish: After cleaning, it's important to apply a water repellent finish to protect your deck against the damaging effects of winter. Moisture such as ice, snow, sleet and rain can penetrate the surface if not protected, which can cause splitting, cracking and warping. Fortunately, there's a wide variety of premium exterior wood finishes that offer protection against the elements, while giving you the opportunity to achieve any look you desire.



For example, if you're looking for a clear water repellent to protect against water damage without changing the color of the wood, choose a product like Rust-Oleum Premium Water Sealer. It will protect your deck against the elements for three years.



Or for maximum protection against water absorption and maximum durability, choose a product like Rust-Oleum Premium Deck and Fence Stain. It's available in both solid and semi-transparent formulas in 22 different colors so you can choose any look you desire. What's more, it's backed by a 10-Year Satisfaction Guarantee so it will keep your deck protected and looking beautiful for years.



Rust-Oleum Premium Deck and Fence Stain also features breakthrough Cool Touch technology, which reflects solar rays to keep surfaces cooler to the touch. It's the perfect preparation for next season's warm summer weather.



For product information or more helpful wood care tips, visit www.rustoleum.com.



Wednesday, October 5, 2016

What you don't know about your garage door technician could cost you big bucks





Later, you learn that you paid $800 for unnecessary parts and ridiculous fees, when your local garage door dealer would've fixed your problem for $180.



"This problem happens more than it should," says Bill Gibson, CEO of Overhead Door Company of Lexington, Ky. "In the last 15 years, we've seen a nationwide increase in ruthless garage door repair companies that prey on people with garage door predicaments."



The problem is so widespread that it has been exposed several times on national television. "Dateline NBC," ABC's "The Lookout," and CBC's "Marketplace," (Canada) have all broadcast primetime programs of hidden-camera investigations that caught garage door repairmen gouging homeowners.



What can you do?



"Most garage door companies are honest and reliable business people who care about their customers and their communities," says Chris Long, long-time editor of a trade magazine for the garage door industry. Long offers some simple tips to help consumers find qualified garage door repair experts.



1. Get a second bid.



"With an online search, it's quick and easy to find a second garage door company to help you," he says. "A simple second or third bid may be the best way to find someone who will do the job right at a reasonable cost."



2. Find a member of IDA.



The International Door Association, is the only national association for garage door dealers. Its publications and conferences constantly promote professionalism, says Long.



Look for the IDA logo on the websites of local dealers. IDA members subscribe to the IDA Code of Business Conduct, which promotes fair and honest dealings, responsible conduct and professional business practices.



You can find IDA members in your area by using IDA's member search at www.doors.org or at www.garagewownow.com, the industry's home improvement website.



3. Look for IDEA accreditation and certification.



The garage door industry created the Institute for Door Dealer Education and Accreditation, offering a rigorous accreditation program for garage door companies and training, testing and certification for technicians.



"IDEA accreditation and certification is sought by conscientious companies that want to be among the elite," says Gibson, who is an accredited dealer with several certified technicians.



Red flags



Consumers should also watch for clues that can indicate a rip-off artist. Long suggests that you look for three particular clues.



1. Excessive advertising.



The top position on an online search does not necessarily indicate a reputable company. It merely indicates a company that has spent considerable effort on its search engine ranking. To find a reputable company, Long encourages consumers to look deeper into the top companies listed in your search.



2. Repair specialists.



For decades, the typical garage door dealer focused on sales and installation of new garage doors and openers. Service and repair was a part of the total operation. But now, says Long, some companies target the repair business only, knowing that consumers are less likely to get second bids for repair work.



"A full sales and service company with a long history in the community is likely to have a good reputation for quality products, competitive rates and expertise in repair issues," adds Long.



3. Are they truly local?



Many rip-off companies operate only with online ads, a cellphone, a pickup truck and no physical location. "Before you call, make sure they're a local company," advises Long.



"Check out their address using online satellite maps to see if the company is truly local. Good companies are proud to be reputable and active members of their communities."



Although there is no fool-proof way to find the best local company, consumers should take another minute or two before they make that phone call. By following these simple tips, you can greatly improve your odds of getting your repair done quickly, accurately and at a competitive price.



Tuesday, September 27, 2016

Fast and fabulous fixes to banish a boring bath





Luckily, simple updates can breathe new life into this small space. Transform your boring bath by incorporating these fast, fresh updates that don't cost a fortune.



Create a focal point with updated faucets

It's a focal point, one of the most frequently used items in the bath, so it's important that your vanity incorporates a fabulous faucet. If you prefer more traditional styling, the Moen Wetherly bathroom faucet offers a refreshed, old-world design that's guaranteed to add a touch of luxury. Or if you like a more industrial, yet elegant look, Gibson bathroom faucets feature an edgy, square-shaped high-arc spout and sleek lever handles. And to keep your new fixtures looking flawless, both are available at Lowe's in Spot Resist Brushed Nickel finish, which resists fingerprints and water spots, maintaining the brilliance of the faucet.



In addition to the beautiful styling, you'll feel good about your update, since each bathroom faucet has been certified to meet WaterSense criteria, meaning the fixtures meet the Environmental Protection Agency's (EPA) guidelines as an environmentally responsible and efficient product.





Add beauty with bath hardware



Once you've upgraded your faucet, look to the other metallic accents in the room for a subtle, yet effective way to pull together the design. Coordinating bath hardware, such as towel bars, rings, robe hooks, shelves, knobs and pulls, will instantly add a functional and fashionable impact.



Let there be light

Assess your current lighting to ensure it offers the look and feel you want for your bath. Too dark? Add new decorative fixtures that complement your faucets and hardware. There are many styles that feature multiple lamps for added illumination. Too bright? Add a dimmer switch to your lighting to soften the mood when you're looking to relax.



Set the mood with color



According to Freshome architecture and design blog, room color affects our moods and thoughts - so choose wisely. Add a splash of color to the walls with a fresh coat of high-gloss paint to give the space an instant facelift. Create a zen retreat by enhancing your bath with shades of yellow, which are energizing and uplifting; or soft blues, which are calming, relaxing and serene.



Next, add coordinating textiles; a fabric shower curtain, plush bath towels, rugs and bath mat can add a finishing designer touch.



Shower sanctuary

A quality showerhead can dramatically improve your daily showering experience. Take your shower from lackluster to luxurious with the new Moen Halo rainshower. The pivoting, double-ring design offers up to 60 percent more coverage than standard rainshowers and features three consumer-preferred spray settings - all presented in a clean, modern design to make a style statement in any bath.



Replacing a showerhead can be a quick and inexpensive project, simply unscrew the old showerhead and attach the new one to the shower arm.



Add a finishing touch with furniture



No matter the size of your bathroom, we all want more storage. Look around your home for unused accents, such as a small shelf, chest - or even a cupboard or armoire. The extra drawer space will come in handy to keep your clutter under control - while also adding a bit of style, warmth and pizzazz to your newly updated room.



Don't think that fix-ups have to be long, drawn-out projects. By following these fast updates, you'll be surprised how quickly and easily you can take your bathroom from boring to a spa-like sanctuary.



Tips for extending your home into your patio



(BPT) - In warmer weather, patios transform into the ultimate gathering space for backyard barbecues, reading, relaxing or even exercising. These outdoor rooms become an extension of the house, seamlessly merging the outdoors inside and vice versa.



This summer, many homeowners will tackle revamping the home to expand this transformation between indoors and outdoors, developing a patio space that will be used all season long.



Think about outdoor and indoor living spaces collectively, and choose a design that integrates them into one seamless space. Incorporate elements from the patio into the house and elements from inside into your backyard patio design.



Start with a patio door that will set the stage for your transformation.



"The privacy of a backyard allows you to be adventurous when choosing a patio door. With many design options available, it's easy to find the style that suits your home's needs," says Joseph Ritzert, patio door expert for Pella Windows and Doors.



Choose a sleek sliding patio door to compliment or create a clean look, or if you're short on floor space. An elegant French or hinged patio door is a good option for homes with ample open floor space. Durable, easy-to-care-for doors like Pella 350 Series premium vinyl sliding patio doors are great for families with children and high traffic.



Also, select a patio door with accents to create the look you want, like stylish grilles, or convenient between-the-glass blinds or shades for added privacy, plus a variety of hardware, exterior and interior finishes. Many Pella patio doors offer a retractable Rolscreen that helps keep insects out while letting in fresh air, and rolls out of sight when not in use.



Windows are very important to keep the seamless transformation between the room and patio. But more glass means more exposure to the elements. Low-E options, like Pella's InsulShield Advanced Low-E triple-pane glass with argon, can help protect your furniture from fading in direct sunlight, while enhancing your home's energy efficiency.



"If energy efficiency is your top priority, look for a patio door that is Energy Star-qualified to help maximize potential energy savings and year-round comfort," Ritzert says.



Continue your transformation with landscaping both inside and out to combine the areas. If your patio connects to the kitchen, potted herb plants indoors blend beautifully with potted flowers on the patio. In settings where a patio connects to a living room, potted small trees inside connect well with planted trees framing your patio.



Complete your indoor/outdoor gathering space by using similar materials between the two spaces. If you have decorative woodwork inside, bring it out on the deck with furniture, wooden boxes for your potted plants, in the railings (if needed) or even the trim on the house. Or if you have a lot of fabric inside, carry that over to your patio with weather-tolerant fabrics on your patio furniture.



With these transformations, your beautiful patio space will quickly become the top destination in your home - the gathering spot for all family members when they come home from work or their daily activities.



Tuesday, September 13, 2016

Replace or repair? That's the home improvement question



Maintenance and improvement are both essential realities of home ownership. From windows and skylights to gas ranges and front doors, everything in your home will eventually need some work. But how do you know when something simply needs repair, or merits being replaced?



Of course, each situation will be as unique as the home in which it occurs - and as individual as the homeowners themselves. A few good rules of thumb, however, do apply in most cases. When you're considering repair or replacement, ask yourself these questions:



* How old is the malfunctioning item?

* How extensive/pervasive is the problem?

* Will the cost of repair approach the cost of replacement?

* Which course - repair or replace - will yield the maximum energy efficiency?

* How does the cost of repair measure up to the value it will provide? How does replacement stack up using the same measure?



To help you get an idea of how these rules apply, here's what some experts have to say about home elements that frequently raise the repair/replace question:



Skylights



Since many modern skylights are energy-efficient, qualify to use the Energy Star mark and are leak-free, if you have an older, plastic model it's probably a good idea to replace it. Not only are these older plastic bubble-type skylights often faded and unsightly, reducing visibility, they are not UV resistant, are not energy efficient, and are much more likely to leak.



"There are millions of those unattractive, cracked and yellowed plastic skylights still out there," says Ross Vandermark, national product manager of VELUX America, which markets the warranted "No-Leak Skylight." "Replacing them with new energy-efficient, double-pane (insulating) glass models is quick and easy. They don't leak, they look better, they reduce UV rays and provide substantial energy savings."



In fact, based on an estimate of 15 cents per kwh/hr, replacing an old plastic skylight with an Energy Star-qualified skylight can save a 2,000-square-foot home about $194 a year on cooling costs, a company study shows. Add skylight blinds - which are available in a variety of styles that can be remote-controlled, including blackout to block light, light filtering to diffuse light, or Venetian to adjust light - and the energy savings can be enhanced even more. And blinds in colors and patterns can add a fresh look to your room decor. What's more, depending on the age and condition of even older glass skylights, it's not a bad idea to consider a modern, more energy efficient model.



Windows



Recent research shows that skylights and vertical windows can work well together to effectively daylight a home while contributing to heating and cooling energy savings.



Like skylights, windows have vastly improved in energy efficiency over the past few decades. Leaky, inefficient windows can be a major source of heat loss in a home, boosting energy bills and decreasing the comfort level indoors. Window manufacturer Pella points to these signs that old windows need to be replaced:



* They're difficult to open or close.

* You can feel air leaking in or out around them.

* Condensation or fogging occurs on or between glass panes.

* You can see chipping, deterioration or water stains on the window or the wall around it.

* Cleaning is a major chore and you avoid it because of the difficulty.

* It's difficult or impossible to find replacement parts for the old windows.



The Efficient Windows Collaborative (www.efficientwindows.org) site also provides extensive information on selecting both windows and skylights, including fact sheets and computer simulations for typical houses using a variety of windows in a number of U.S. cities.



Heating, ventilation and air cooling



Furnaces and air conditioning units are among the most important parts of your home's infrastructure; they're directly responsible for the comfort level and air quality inside your home. They're also among the more costly items to repair or replace.



So how do you know when it's time to replace part of your heating, ventilation and air conditioning (HVAC) system? EnergyStar.gov offers these guidelines:



* If your heat pump or air conditioner is older than 10 years.

* Your furnace or boiler is more than 15 years old.

* Your energy bills are spiking.

* Equipment needs frequent repair.

* Some rooms are too hot while others are too cold.

* The HVAC system is very noisy.

* Your home is very dusty.



Replacing older HVAC systems with newer, Energy Star-qualified ones can significantly impact your heating and cooling costs, according to EnergyStar.gov. An Energy Star-qualified heat pump or AC unit can save up to 20 percent on heating and cooling costs, the website says. You can learn more at www.energystar.gov.



Six simple steps to financial success





1. If your employer offers a 401(k) plan, use it. For a variety of reasons, it is often going to be your most attractive investment opportunity. Most employers will match a portion of your contributions, making your effective returns higher. If you contribute $1,000 to your plan, for example, and your employer matches that at 50 cents on the dollar, your contribution is actually worth $1,500. A 401(k) also offers tax advantages on contributions and investment gains. Finally, it puts your contributions on autopilot via systematic payroll deductions. That makes it less likely you'll skip contributions, and also lets you take advantage of the powerful benefits of dollar-cost averaging. (Dollar cost averaging does not ensure a profit, nor does it protect against losses in a declining market. Because dollar cost averaging involves continuous investing, investors should consider their long-term ability to continue to make purchases through periods of low price levels.)



Simply put, your regular, fixed-dollar contributions buy more shares when prices are low, and fewer when they're high.



2. Understand your investment horizon. Many people underestimate how long their retirement savings will need to last, which can lead to a host of mistakes. Some invest too conservatively, making it hard for their portfolios to keep pace with inflation. Others draw down their assets too quickly in retirement, boosting the odds that they'll run out of money in old age. The average 65-year-old in good health can expect to live about 20 more years. Your investment strategy should reflect the possibility that you will not only meet, but perhaps exceed, the life expectancy averages.



3. Don't underestimate the corrosive effects of inflation - even at low levels. At a rate of just 2 percent, inflation cuts the buying power of a dollar by a third in about 20 years. At 3 percent, it does the job in 14 years. Make sure your portfolio includes some assets, like stocks, that historically have outperformed inflation over long periods of time.



4. Diversify your investment portfolio, but understand that you will need to do more to mitigate longevity risk. Diversification is the simplest and most effective approach to managing investment risk, but is ineffective at managing many other threats to your financial security. Longevity risk, for example - the risk of outliving your savings - is best managed by pooling your risk with other investors. One way to do that is with an annuity contract issued by an insurance company. Certain annuity contracts work like old-fashioned pension plans, paying a fixed income for life. (Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.) Some include escalation clauses that increase your payout over time to keep pace with inflation. Knowing that you have provided for your basic living expenses with an annuity can provide the reassurance you need to take a long-term perspective on stocks and other growth-oriented investments - the ones your portfolio needs to keep pace with inflation.



5. When investing in stocks, don't confuse where a company is headquartered with where it earns its money. Many people are looking to capitalize on investments in the fast-growing emerging economies of Asia, Latin America and Eastern Europe. Often, though, emerging-market companies are not fueled by growth in their own economies. Many are mining or other natural resources firms whose results are driven by global commodity prices. Rather than investing directly in emerging markets, a better alternative for many people is to invest in U.S. companies that do business globally. Many of these companies have brands that are household names in emerging markets, and some even earn more overseas than they do in the U.S. In fact, a large share of the profits of the companies in the Standard & Poor's 500 Stock Index is generated outside the U.S. Bottom line, you already enjoy substantial global diversification with U.S. stocks.



6. Don't be afraid to ask for help. The ever-expanding array of alternative investments can seem overwhelmingly complex, and may require frequent and ongoing attention. Rather than trying to do it yourself, consider working with a financial professional. Getting their advice on matters critical to your financial well-being will usually make good fiscal sense.



Editor's Note:

Insurance products issued or offered by Thrivent Financial for Lutherans, Appleton, WI. Not all products are available in all states. Securities and investment advisory services are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415, 800-847-4836, a FINRA and SIPC member and a wholly owned subsidiary of Thrivent Financial for Lutherans. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. They are also licensed insurance agents/producers of Thrivent Financial for Lutherans.



Deposit and lending services are offered by Thrivent Federal Credit Union, a member-owned not-for-profit financial cooperative that is federally insured by the National Credit Union Administration and doing business in accordance with the Federal Fair Lending Laws. Insurance, securities, investment advisory and trust and investment management accounts and services offered by Thrivent Financial for Lutherans or its affiliates are not deposits or obligations of Thrivent Federal Credit Union, are not guaranteed by Thrivent Federal Credit Union or any bank, are not insured by the NCUA, FDIC or any other federal government agency, and involve investment risk, including possible loss of the principal amount invested.

For additional important disclosure information, please visit Thrivent.com/disclosures.

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Wednesday, September 7, 2016

Six tips to liven up your laundry room





Check out these tips from Jenny, The Home Depot, Tide and Maytag for the Brilliant HE Clean campaign on how to create more efficient and enjoyable laundry rooms:



*Dealing with a dark, cave-like laundry room is a chore in and of itself. By taking off the doors on a few of your upper cabinets, you'll open up the space and create a place to store baskets. Assign baskets for every member of the house, which makes sorting a breeze.



*Why not decoupage or paint the insides of your cabinets for a fun pop of color? It's a guaranteed smile each and every time you reach for your detergent. Also don't ignore the door. Adhere some cork panels on the inside of the cabinet doors and create a space to pin all those stain removal tips.



*Don't like the cabinets, floors and countertops in your laundry room? Every surface can be painted or resurfaced. Update your laundry room with paint and a concrete overlay for less than $30 in materials. Say goodbye to the outdated linoleum, brick pavers and old, dark cabinets.



*A rolling laundry butler can be your best friend, doing triple duty with a hanging bar, a rolling basket and a drying rack. It's the perfect choice for smaller laundry rooms that haven't been updated in a few decades.



*Don't neglect your laundry room walls. Hanging interesting art and mirrors will elevate your room and make it feel less utilitarian and a little homier. Suddenly those 400 loads of laundry most of us will do this year might actually be enjoyable.



*A folding station makes all the difference. Use a slab of stone or a simple piece of painted medium-density fiberboard (MDF) on top of washer/dryer units to create a folding station that also prevent socks from slipping in between the appliances.



Learn more about the campaign and enter to win a $5,000 laundry room redesign from Jenny and a Maytag Washer and Dryer by visiting www.tideandmaytag.com.



Tuesday, August 30, 2016

It's high time to upgrade your faucets and toilets



When considering your home's plumbing, you might be thinking of that old adage "why fix something if it ain't broke?" But did you know that old and inefficient plumbing might actually mean that you are literally pouring your money down the drain every month? A call to your plumber might really save you money in the end if you upgrade the plumbing in your home.



When were your current plumbing fixtures installed? Did they come with the house when you bought it? Old toilets use up a lot of water with each flush, which is bad for both the environment and for your wallet. Are you putting off having that leaky faucet repaired because you just don't want to spend the money right now? The average faucet leak can waste hundreds of gallons of water per year. If it's a hot water faucet that's leaking, you are losing money both with the wasted water and with the wasted electricity or gas that is heating that water.



Or what if your problem is slow drains? You might decide to take the easy step of pouring liquid corrosives down the drain to clear out the blockage. This is actually a bad idea. The corrosive chemicals in drain cleaner will harm your sewer pipes, perhaps necessitating an extremely expensive repair in the future. In addition, the environmental impact of pouring such chemicals down the drain and into the water supply can have serious ramifications for the future of our planet.



If you've been putting off plumbing repairs or upgrades, you really might want to consider having a professional technician visit your home. Plumbers can let you know if repairs are needed or if there are upgrades available to your current plumbing that can actually save you money. There are many options, such as low flow or dual flush toilets that can help you stop wasting water and upgrade your home.



Having your new toilet installed by a plumber will ensure that your system is up to code and works efficiently and properly. A plumber can also help you to repair your leaky faucets, or assist you by installing water saving devices such as low flow faucets or aerators on your sinks. They can also help by providing professional sewer cleaning that will fix your slow drains without causing serious corrosion to the pipes in your home and damage to the environment.



These days, everyone is looking to save money where they can. By having a professional plumber inspect your pipes and see what upgrades and repairs can be done in your home, you can save yourself money on wasted water and utility bills. In addition you'll be adding to the value of one of your most important investments, your home.




Long term real estate investment success doesn't come from a recipe



When you read something here or there that you've not known of before, how do you process it? Do you review how the new info might have helped you years ago? Or maybe it would've easily helped you avoid a mistake you made years ago - one that put you on a financial treadmill to nowhere 'til you caught up. Thing is, the information age is a lethal double-edged sword. View it as a good news/bad news joke.



The good news is that you have all that info and those tons of data points at your fingertips. The bad news? See the good news..



As the title to this post suggests, success doesn't come from set recipes. We're not baking cookies from a prepackaged batch of cookie dough, when all that's required is slapping the dough down onto the baking pan, and turningthe oven on, per printed instructions. Investing requires different ingredients for different investors, even though their most important goal - retirement - may be the same as millions of others. What passes for real analysis, not to mention strategy(s) is often nothingmore than over simplified formulas applied to broadly described circumstances, which are then recognized by thousands of people who think the various strategies/recipes/formulas apply to them. Again, we're not baking cookies here. We're investing to create the most important thing there is as we grow older - after health and family - retirement income.



What happens is that a particular strategy is put forth as superior. Any strategy, when assessed in a vacuum, can deliver damaging results when applied in the rough 'n tumble of real life. Even if any particular strategy delivers positive results, so what? Could they have been better if using a competing approach? Are there distasteful long term consequences of which you're currently unaware? How would you know?



And there's the rub.



The decisions you as an investor made yesterday, make today, and will make five years from now - on what strategy(s) to employ - will literally make the difference in the quality and quantity of your income at retirement. But again, the real fly in the ointment is the reality that what worked in San Diego in 2000, would be a wish for a financial coma today. What proves wildly effective for Fred, would be foolish for Abby, even though on the surface they appear to be two peas in a financial pod. In fact, what made sense five years ago, might be the last thing to do now. There are too many crucially important factors involved in the decision making process as it relates to investment strategy to approach it as merely the catalyst to a simple recipe.



It's almost never about the 'best' strategy.



Earlier this month my 'CEO' and his wife were in town for my benefit. The Boss and I took them out to dinner to say thanks. The chef at this place is well known not only for how fantastic her meals taste, but also for the many awards she's won for excellence. From the appetizer to the main course, who knows how many cooking 'strategies' she brought into play, many in a wonderfully synergistic fashion. I won't bore you with all the details - OK maybe a quick summary. Duck nachos isn't on the menu as it once was, but if you ask for them, they'll make it. Awesome. Then there was the porterhouse pork steak with a sinfully good reduction sauce. How many different strategies must it have taken to produce those nachos alone? Was the steak prepared using the same strategies utilized in making the sauce?



The Take-Away



Regardless of what you've read and heard, a single strategy is not going to produce the retirement you want. Even those making use of more than one strategy will generally fall short. What produces magnificently abundant retirements is Strategic Synergism - the blending of multiple strategies, often completely unrelated to each other, in ways that ultimately enhance your final results. When an investor realizes the hugely superior results obtained when combining multiple strategies synergistically, a whole new menu of possibilities opens up. Everyone agrees that cash flow at retirement is the goal. It's how you get there, and how much after tax cash flow your specific Plan generates.



Sadly, the vast majority of Americans are creating what I've come to call a 'FastFood' retirement. Fast food is fun every now and then, but we all know what happens long term if you live on it. Strategic Synergism works in the kitchen, and it works when investing for retirement.



Author: Jeff Brown



Jeff's Website: http://www.bawldguy.com



Wednesday, August 24, 2016

Buying a fixer-upper? How to make the most of your remodel



With current home prices and interest rates, it's a great time to be in the market for a fixer-upper. By buying a house that needs some work, you can achieve your dream home for less than you would probably pay for a move-in-ready abode.



To ensure you're making the most of your investment, however, it pays to take a look at your credit before you buy and begin your remodel. You'll not only need credit to cover the purchase price of the house, but you'll need it for renovation expenses as well.



The first step you should take in your bid to buy a fixer-upper is to check your credit report and score. Websites like www.creditreport.com can help you understand your credit. Understanding your credit will help you know whether or not you can afford to buy a house that needs work and if you'll be able to pay for the needed renovations.



You should also carefully research what your options are for financing your remodel. Learn what your options are, from traditional fixed mortgages to home equity lines of credit, and decide before you buy which type of financing will be best for you. Getting a handle on your financing before you buy can help ensure you stay on budget when you're in the middle of renovations.



When you've got a clear picture of your credit status and financing options, you can start looking at fixer-uppers. When you find a good prospect, have your remodeling contractor walk through the house with you so he can give you a rough estimate of what needs to be done and how much the work will cost.



If you're buying a house that's in basically good condition but just looks dated, you'll have to make some decisions about where to invest your money. Focus on improvements that will not only look good, but will also enhance the value of your home. Resources like Remodeling Magazine's Cost vs. Value report can give you a good idea of how much of your original investment you'll recoup on different remodeling projects at the time of resale.



Once you've signed all the paperwork and the house is yours, it's time to get to work. If you're handy, you may be able to save money by doing some of the renovation work yourself. Projects like painting, adding crown molding and even putting down new flooring are well within the skills of most do-it-yourselfers. More complex projects like drywall, plumbing or electrical work may be best left to professionals.



Whether you do the work yourself, or hire contractors, you'll need to carefully manage all aspects of the renovation to ensure your remodel stays on budget. The excitement of remodeling a house into your dream home can make it easy to get carried away on spending. Keep in mind that remodeling estimates are just that - an estimate. The final tab is rarely exactly what your contractor predicted it would be. Build in at least 10 percent extra to cover emergency overruns, and avoid making any unnecessary changes to the plans while the project is underway.