Tuesday, May 16, 2017

Details on carpet stain removal



Carpet stain removal can be a daunting task. It should also be done with much care and precaution to prevent damage on the carpet. While using the vacuum cleaner will do fine, it will only remove the dirt. Stains are different, thus, they should be treated differently.



Regardless of the approach employed in removing the stains, it is best to act immediately and quickly. If you wait in doing the cleaning, you risk ruining your carpet for good. Whether oil, wax, solid or liquid substances are spilled on the carpet, you need to grab a clean cloth to remove the solid substances or what can be removed from the stain.



Then you have to blot out as much of the stain as possible. If a liquid substance spilled the carpet, there might occur wicking. Wicking means that the liquid substances have pooled at the bottom of your carpet. Hence, it will weaken the fiber of your carpet, causing the stain to spread and resurface; and eventually, serious damage is done on your carpet.



To prevent wicking, you need to cover the area with a thick dry cloth, and weigh it down with thick books or something that is heavy. Leave it overnight and remove the stain as normal in the following day.



In the morning, when you are certain that no more liquid or staining material will come out, blot out the stain using a dampen cloth or sponge. Avoid scrubbing the carpet as it would weaken the fiber and cause the stain to spread to other areas.



Blotting the stain gently will remove the stain without causing further damage to the carpet. If the stain remains after blotting it with water, you may want to squirt mild dish washing liquid onto it to clean. Blot the stain gently and let it sit for an hour before you blot again with a cool damp sponge or cloth until the stain is totally removed.



There are many carpet stain removal products available in the market in case you do not like to use dishwashing liquid detergent. Commercial products designed for removing stains vary based on what types of stains on your carpet.



For them to be effective, you need to figure out what type of stains your carpet has. If it is greasy like oils for cooking, body, automotive or moisturizing, use grease-based stain removal products.



If the stains are acid-based like coffee or urine, your choices are oil-based or acid-based products. In oil-based, the stains are dissolved, while in acid-based, the chemical quality of the spots are changed in order to make them easy to remove.



If you are not certain on the type of stain your carpet has, choose the all-purpose type of carpet stain removal product.



In all your undertakings, it is best to test the carpet stain removal product in a corner of the carpet or in any out-of-the-way area of the carpet, lest, you may risk creating a faded spot that may look more hideous than the stain itself.



by Rudy Silva

http://www.articlecity.com/articles/home_improvement/article_6257.shtml



5 upgrades for under $5,000 to put your home at the top of every buyer's list



(BPT) - It's a sobering truth of real estate that sellers often have to spend money to make money. Even if your home is relatively new, you still face costs associated with getting it ready to show, such as repainting interior rooms or hiring professional cleaners and stagers. If your home could use some TLC and updating, spending as little as $5,000 on key upgrades could improve its appeal for buyers - and ensure a speedier sale at a better price.



Here are five upgrades you can make for under $5,000 to help put your home at the top of every buyer's must-see list.



1. Upgrade your entryway - Replacing an old, dated or worn entry door can be a cost-effective way to ensure buyers get a good first impression when they walk in your house. Whether you choose a fiberglass, wooden or steel model, installing a new entry door can cost a few thousand dollars, yet the return on investment at the time of resale can be significant. A fiberglass entry door returns about 72 percent of its investment, while a steel door recoups more than 100 percent of its value, according to Remodeling Magazine's Cost vs. Value report.



Enhance your new door with attractive plantings, fresh paint and clean windows around the entryway to create a memorable, attractive entry for just a few thousand dollars.



2. Increase natural light - More buyers are becoming aware of the mood- and productivity-enhancing benefits of natural light, and homes with big, bright windows have always been in demand. Adding windows to a room can be a costly, time-consuming affair. Not so with adding a skylight. For well under $5,000 and in just a day or two, a professional can install an Energy Star qualified, solar powered no-leak fresh-air skylight, like those from Velux America. Professional installation costs nationally ranges from around $900 to $2,325, with an average of $1,400, according to HomeAdvisor.com.



The low installation cost will leave you plenty of budget to enhance the skylight upgrade even further with energy efficiency-boosting solar-powered blinds. The skylight and blinds are operated by remote control and the blinds are available in designer colors and patterns to enhance your décor. The products, as well as installation costs, are eligible for a 30 percent federal tax credit to further reduce the cost of the improvement.



The most popular rooms in the home for fresh air skylights are baths, where they provide privacy in addition to natural light, and kitchens, where they vent cooking odors and humidity naturally while brightening this much-used workspace. Visit www.veluxusa.com to learn more.



3. Beautify a master bathroom - Bathrooms and kitchens sell homes. Making a few cosmetic upgrades to even a small master bath can help increase a home's appeal and value. For less than $5,000 you can easily repaint, upgrade faucets, replace old cabinet hardware and add decorative touches like designer towels.



If you've already done all that, take a look at the floor or countertops - two cost-effective upgrades that can wow buyers. Since counters don't make up that much square footage in most bathrooms, replacing them with granite can cost just a couple thousand dollars. Tile flooring is also a relatively inexpensive way to improve a bathroom's look and usability.



4. Heat things up in the kitchen - Kitchen remodels can offer high ROI for sellers, but a full remodel may be outside your budget. If you've already done the obvious - like repainting and decluttering - it's time to look for a few more cost-effective improvements that will appeal to buyers.



Just as in the bathroom, swapping old faucets and cabinet hardware with new designer options can enhance the appeal of a kitchen. Shabby, outdated appliances can hinder a speedy sale, so consider replacing them with new ones. You don't necessarily need to install top-of-the-line, high-priced appliances to make a good impression, either. Newer, Energy Star qualified appliances represent savings for buyers down the road.



5. Lavish landscaping - No single aspect of your home has a greater impact on a buyer's first impression than the landscaping. A great front yard sets the tone for the rest of the home, appealing to buyers on a number of levels, including beauty, practicality and savings.



With $5,000, you can accomplish a lot in terms of landscaping. You can sod a small front yard, add decorative planting beds to a lush lawn, or even install shade trees that will both beautify the yard and enhance the home's energy efficiency in summer. Decorative concrete stamping of walkways and driveways is another cost-effective way to improve a home's curb appeal.



Whether it's a buyer's market or a seller's market, no one wants to see their home linger long before selling. A few simple upgrades can help ensure your home gets plenty of attention this season.



Friday, May 12, 2017

Easy exterior projects that add lasting beauty to your home



Homeowners want to improve their home's exterior while saving time, labor and money. You can enhance your lifestyle by choosing options that extend product performance and add beauty and enjoyment to outdoor living.



The easy patio fix that's eco-friendly
Adding pavers to any outdoor area can transform cracked slabs or troubled grass areas into virtually instantaneous living space. But most do-it-yourselfers shy away from working with heavy concrete or brick. Andy Vander Woude of AZEK VAST Pavers says you can install a new patio, walkway or driveway with new pavers that install three times faster on a unique grid system over a traditional sub-base. At less than half the weight of concrete, they contain up to 95 percent recycled scrap tires and plastics. "There is no need for wet saws or heavy equipment," Vander Woude said. "You can also resurface an old patio, deck or flat roof without the sub-base preparation - just assemble the grid and lay the pavers in like a big puzzle." He added, "It's a way to create instant living space that respects the planet."

Add curb appeal for lasting first impressions
Easy%20exterior%20projects%20that%20add%20lasting%20beauty%20to%20your%20home You can increase curb appeal with stylish and functional, quality amenities that dress up an entryway, yard, patio, porch or deck. According to the experts at Walpole Woodworkers, known for outdoor furnishings handcrafted in Maine since 1933, consider classic accents such as lantern and mailbox posts, pergolas, arbors, window boxes, deck planters and birdhouses handcrafted from new advanced materials, with long-lasting benefits and low-maintenance. Walpole offers these and many other products handcrafted in modern cellular PVC. This advanced material looks just like natural wood, but won't rot, split, or warp and will maintain its good looks for years, virtually maintenance free. Call 1-800-343-6948 for a free catalog.

Light up the night

Easy%20exterior%20projects%20that%20add%20lasting%20beauty%20to%20your%20home With the emergence of inspired outdoor living spaces and new trends in materials, it only makes sense that homeowners search for a way to enjoy their deck parties well into the night. Deck rail lighting has become extremely popular, with LEDs the preferred way to create ambient lighting. Michael Gori, Director of Product Management at AZEK Building Products, makers of AZEK Deck, said lighted post caps and light strips concealed under the hand rail are in high demand. "The lighted post caps add an elegant touch, while the hand rail lighting casts a downward glow, reducing hot spots and attraction to insects," he said. "The combination of the two light sources adds a dramatic effect for nighttime entertaining." Gori adds, "With warm, ambient lighting, there's no longer a need to head indoors when the sun goes down."
Know when to paint caulk

Easy%20exterior%20projects%20that%20add%20lasting%20beauty%20to%20your%20home Did you ever poke your finger at a caulk bead to see if it's dry and ruin your nice work? "Caulk needs to dry for about one to two hours, before it can be painted-whether you're working indoors or out," says Jason Ringling, marketing director at Red Devil, a company with a 140-year old history in the industry. "Painting too soon can cause sagging and cracking and then the entire job has to be re-done." He says that there is a new technology called ColorCure sealant that turns from pink to white when it's ready to paint, so there's no guesswork. And if the job gets interrupted, you know exactly where you left off. "Formulations are getting smarter to help you work more efficiently," he adds.

When fixing up or adding beautifying elements to your home exterior, be sure to investigate all the options--from new formulations in caulks and sealants to alternatives to traditional materials that offer easy installation and better performance over time.



Wednesday, May 10, 2017

5 home-improvement projects to help sell your home



(BPT) - The real estate market has improved across much of the country, but homeowners thinking about listing their homes this summer need to stay competitive to attract buyers. Buyers are looking for long-term homes, ones they want to stay in for years while raising their children, or settling down and retiring.



To prepare your home for listing - or simply to enjoy it a few years longer - check out these top five home improvement projects you can do yourself to make your home more attractive to buyers:



1. Give the front door a new look - The front door sets the tone for your home's curb appeal and security, and it signals how well you maintain everything else. Buyers will be walking into your home via the front door, so be sure to give them a good first impression. If your door is in good shape, you might just need to give it a refreshing new coat of paint or new hardware. But if it's seen some wear and tear over the years, consider replacing it with a steel door - one that will show buyers your home is safe.



2. Update the most-used entryway - While the front door needs curb appeal, the garage door is traditionally the most-used door in the home. Old wooden garage doors will start to sag and the paint will peel, giving your home a run-down look. Replacing this door with an insulated steel door will not only improve the exterior look of your home, but also keep the garage space warmer. Finishing off the garage can also be a big draw for buyers, but you probably won't be able to recoup as much of the expense as you would by replacing only the garage door.



3. Add additional living space - You might not think about adding a deck as the same thing as adding an extra room to the house, but if you're selling your home during the warmer months, that's how buyers will see it. They'll be able to picture themselves enjoying breakfast and picnic dinners outside, or curling up on a lounge chair with a good book on a summer afternoon. To make your deck a good selling feature, consider using ProWood Dura Color, a color-treated wood that retains its color for years. This means your buyers can easily move into your house and can enjoy the space without the annual chore of staining. Realtor.com estimates that homeowners can recoup 87 percent of the investment of adding a deck when they sell.



4. Create a bathroom retreat - As the smallest room in the house, the bathroom tends to cost the least to remodel. If you have a guest or master bath that can use a little help to transform into a relaxing oasis, take the opportunity to replace the flooring, add cushy rugs, paint the walls and replace the accessories with more modern styles. Faucets, showerheads, the mirror and even the toilet can all be upgraded with water-saving and stylish designs. Buyers will take note of a maintenance-free bath, making your home one they'll remember as move-in ready.



5. Turn the backyard into a private paradise - Buyers will be visualizing themselves in your backyard when touring your home. They're looking to see how quiet and secure the space is. Consider adding a beautiful wooden fence to enhance the privacy. It will make the home attractive to families with children and pets, and for couples who aren't interested in having a conversation with the neighbors every time they go outside. To make your fence an attractive selling feature of the home, consider using ProWood Dura Color fence pickets or pre-built panels. The cedar-tone or redwood-tone colorant driven deep into the wood fibers will stand up to the sun's harsh rays and won't gray out over time, unlike cedar fencing. You can match it to the deck coloring for a beautiful accent look that connects the colors in your backyard.







Friday, May 5, 2017

Remodeling for resale vs. impressing your friends



It's one more area where we can show our sophistication and good taste. We can, and often do decorate to impress and make a statement about how successful we are.



It's an ego thing. It makes us feel good to show our financial success.



And in one way it's often men who go over the top the most. We can argue about it if you want.



They want imported everything including granite or marble, architectural designs, custom finishes and expensive kitchens and baths, along with lots of garage space for luxury cars.



But some luxury cars hold their value far batter than houses do.



A good many sports stars have bankrupted themselves buying this stuff.



A really unique house may only appeal to one person, the person who remodeled it or built it.



There are several problems when a house like this goes to resale.



1. The really expensive finishes and decorating are too individual to work well at resale. The owner might like orange granite, but no one else does.



2. The costs of certain types of décor can never be recovered at resale. It's something the owner wanted that no one else wants or will pay for.



3. The house may be over improved for the values in the neighborhood. For example fashionable granite that has gone into kitchens all over the country. The stuff costs several thousand dollars to install but houses no longer sell for enough money to recoup the cost.



4. Custom paint is a turn off to buyers when houses go to resale. It's ALWAYS the wrong color. The wrong color, meaning any color that is not neutral, just won't sell.



5. The décor that the owner has spent so much time and money on does not appeal to buyers. Often it might even turn them off and they run from the property to the next one. Decorating styles can really be a disadvantage at resale.



6. Custom houses usually only appeal to the owner/ builder. No one else wants the floor plan that has all the kids sleeping in a one-room dorm or the workshop in the bedroom wing. A poorly done remodel can mess up a perfectly good house plan, too.



7. It can be very difficult to sell a house in an area if it is very different from the other houses in the neighborhood. In the southeast for example, most buyers prefer traditional exteriors. A hard contemporary or mid century modern may take way longer to sell than something more traditional. It's the reason neighborhoods have architectural review boards. They don't want anything really different.



So if you expect to have to resell your home any time in the near future control your spending. Only spring for the expensive stuff that will move with you when you go. The house may still represent something important for your ego without being so individual you can't sell it. Resale means you want to appeal to as many buyers as you can so you can sell a house quick.



That means the property has to be sort of average.



It might be more fun to impress your friends with great food and a feeling of simple luxury. 5 stars for comfort can trump the most outrageous décor with your friends and guests.



by: Paula Stone



http://www.articlecity.com/articles/home_improvement/article_4809.shtml



Wednesday, May 3, 2017

Hot trends for spring home improvement projects





Whether you're remodeling to stay put, or putting your home on the market, consider home improvement and design trends as you plan your renovation projects.



Add bold, bright colors

Need a color boost? Fresh color recommendations from the Pantone Color Institute include Tangerine Tango, Solar Power, Bellflower and Cabaret.



Try adding a splash of these vivid hues to help alter your mood and boost vitality and enthusiasm. Repaint a wall, bookcase or front door for a bold color burst. Or sprinkle splashes of color with new covers for patio furniture, area rugs, pillows or window treatments.



Go green, save green

Among the top green home trends from buildipedia.com is renovating to reduce your home's heating and cooling load. Add more insulation in the walls, roof and floors or seal up leaks or install new windows and doors.



Look for ENERGY STAR-qualified products that help lower your home's energy consumption, and in turn, your utility bills.



Low-maintenance Pella 350 Series vinyl windows and patio doors feature a premium look in an energy-saving design that is the most energy-efficient product line the company offers.



Energize your entry

No time for major renovations? Weekend projects, like installing a new front door to welcome guests to dinners, graduations and get-togethers, can transform your entryway with minimal hassle and cost.



Consider installing a 36-inch-wide entry door to add more room to maneuver. Whether you're carrying a baby or a bag of groceries, or need extra space for a wheelchair or walker, wider entry doors are ideal for nearly any home - especially multigenerational ones.



Today's hottest entry door trends revolve around styles, materials and performance.



"The Craftsman style remains a popular choice for entry doors," says Steve Brenizer, product marketing manager for Pella Windows and Doors. "Rustic door styles with hinge straps and clavos that create a distinctive look are also standouts. And customizing with decorative glass to let in natural light without sacrificing privacy, or adding decorative grilles are also sought-after style options."



Fiberglass is in

When it comes to exterior doors, fiberglass is surging in popularity, Brenizer says. "Fiberglass entry doors look like an authentic wood door, without the ongoing maintenance needs of wood," he adds. "Plus, fiberglass offers exceptional energy efficiency, weather resistance and outstanding durability to resist dents and dings."



New fiberglass Pella entry doors push industry performance standards to new levels. Their dual-seal technology provides two layers of protection to help block out the damaging effects of extreme wind and rain. Fiberglass doors are very customizable, Brenizer adds. Homeowners can choose their own exterior clad color, interior wood stain or paint color, or create a custom color to truly reflect their home's style. For more information visit Pella.com or call 888-847-3552.



Tuesday, April 25, 2017

Tricks to take care of clogged drains



(BPT) - "The bathroom sink drain is clogged!"



Those words strike fear and loathing into a homeowner's heart. Nothing can ruin a pleasant day faster than the thought of shutting down a crucial room in your home until the plumber arrives. But it's a fact of home-owning life: At some point, the drains in your home will become clogged. The question is, will you be caught by surprise, or be prepared and possibly avoid the problem altogether?



A little preventive maintenance now can go a long way when it comes to drain-related problems. Plan ahead, and you'll avoid the all-too-common clogged drain frustrations: an out-of-order bathroom, waiting for the plumber, a bathroom floor covered in water, etc. Believe it or not, all these nightmares can be prevented with a little planning.



What's the key to preventing a clogged drain? Choosing the best preventative products that allow you to live your life while minimizing those pesky drain issues for you. Choose wisely, and these products will save you from frustration, save you money and save you valuable time. Choose wisely, create a bathroom with a difference, and enjoy a carefree, clog-free life.



Here are few easy ways to avoid clogged drains:



For the kitchen disposal, you can run hot or cold water through the drain. Cold water run liberally through the sink will loosen stuck items, while hot water will help get rid of food residue. Instead of pouring hot grease down the kitchen drain, pour it into another container and then throw it away. Don't forget to clean the drain pieces regularly to keep them in good working order. If long hair or pet hair is a problem, consider strainers over every drain in the house.



While many companies offer drain-clearing products, we recently came across one with a completely different approach to addressing the issue. PF Waterworks focuses on eliminating the problem with a line of clog-prevention products that reduce the build-up of clogs and the need for drain cleaning products, thereby reducing frustration and saving time and money for the homeowners. For more information, visit www.pfwaterworks.com.



PF Waterworks will be introducing a new product: the FlushSAVER Dual Flush Converter reduces water usage by 30 percent or more, even in already low-flow toilets. A unique patented design converts single-flush toilets to dual-flush with easy installation, no tank removal and no tools required. The FlushSAVER could save up to 15,000 gallons of water per year for a family of four.



You can free yourself from the frustration of clogged drain hassles, expensive plumber visits and schedule-shattering plumbing issues by choosing and installing safe, effective products designed to keep money in your pocket, minimize household downtime and make your life much, much easier.



Secrets of a solid home inspection



Nearly two-thirds of surveyed homeowners report that a home inspection during the selling or buying of a house saved them money.
Selling, buying or just putting a house on the market may raise many questions. Can I get a good price? Are there any problems I should fix prior to listing my house? If I buy this house, will I encounter problems that may make me regret my decision?



The sale price of a house depends on many factors, including the market, location, size of the property, age of the house, condition of the structure, what appliances might be included in the sale and even how nicely the property and building were landscaped and decorated - just to name a few.



Having a qualified professional inspect your house prior to putting it on the market - or for prospective buyers, before closing on a sale - can help guide your decision. But many homeowners and prospective buyers are unsure what's included in a standard home inspection, according to the American Society of Home Inspectors (ASHI). A qualified home inspector will review these aspects of a property:

  • Roof, attic and visible insulation
  • Foundation, basement and structural components
  • Walls, ceilings and floors
  • Heating and central air conditioning systems
  • Windows and doors
  • Water fixtures and faucets
  • Decks


Nearly two out of three homeowners recently surveyed by ASHI reported they saved a lot of money as a result of having a home inspection during the selling/buying of a house. Sellers use inspections to help determine potential problems that can be repaired or replaced prior to listing - potentially getting them a higher sale price. And buyers use the inspections to determine if they want to invest in the property, or help negotiate for a better price that would include the repair and replacement of potential problems.



Not all home inspectors are certified and licensed. ASHI's "Find an Inspector" tool allows homeowners to locate an inspector in their area. Always check with your local inspector for a complete list of services provided.



"It's important for homeowners to do their homework before hiring an inspector," says Kurt Salomon, ASHI president. "Look for a home inspector certified through the ASHI Certified Inspector Program, which is the only home inspection association program approved by the National Commission for Certifying Agencies."



The following elements are not included in a standard home inspection:
  • Septic system
  • Electrical wiring and plumbing that is not readily accessible (for example, behind drywall or plaster)
  • Water conditioning or softening system
  • Swimming pool
  • Backyard fences
  • Lawn irrigation system
  • Household appliances
  • Compliance with local codes
  • Appraisal to determine market value
Before hiring a home inspector, inquire about what is covered in the inspection and ask to see a sample report. Although some inspectors provide ancillary services, it may be necessary to consult a specialist for concerns that extend beyond a standard inspection. Often your inspector will help you make this determination.



Hiring a certified home inspector and having questions answered before putting your house up for sale - or before finalizing a purchase price - can not only help save money, but also allow you to go through the process with more peace of mind.



Friday, April 21, 2017

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, April 19, 2017

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.



Monday, April 17, 2017

Expanding outdoor living space adds value to your home



The outdoor living trend remains popular as homeowners seek to add lasting value and functional living space under the sky and stars. Whether it's a do-it-yourself patio or a professionally installed outdoor kitchen, the beauty, usefulness, value and ease of maintenance in outdoor living space is limitless.



Extending living space outdoors is as old as time itself. "Creating an outdoor room is a natural extension of your indoor living space," says landscape architect John Johnson of Burnsville, Minn. "By creating a space in the open air and adding elements like fireplaces, pergolas, water features and greenery, you get a very different feel. People want and need that connection to the outdoors."



Adding value



Without erecting the traditional four walls and roof, outdoor living space can be easily added to large, small, twin or town homes. Enhancing an outdoor space with hardscapes adds value and can be adapted for multiple uses.



"Homeowners continue to embrace the trend of maximizing outdoor living space, whether it's an outdoor kitchen or patio living room with a fire pit," says Lonny Sekeres, a landscape designer with Villa Landscapes in Oakdale, Minn. "Real estate experts say that for every dollar you invest in landscaping projects, you could see up to a $2 return when you sell your home."



Do-it-yourselfers will find easy-to-install, maintenance-free pavers and segmental retaining wall systems are budget-friendly for patios, walkways, courtyards, raised gardens, fire features and wall projects. New construction should include plans for exterior hardscapes, and remodels can benefit from the advice of design-build professionals or experts from a landscape supplies retailer, says Sekeres.



"There are so many solutions to fit any budget and need," says Sekeres. "Products like Willow Creek permeable pavers allow rainwater drainage if needed, and retaining walls come in colors that complement any environment."



Al fresco living



As a natural extension of the home's ground floor, a patio expands a family's living and entertaining space significantly. It provides a perfect gathering spot for guests and family who will be drawn from indoor dining areas to this enticing space.



A popular trend is to expand kitchen space with outdoor grilling areas, stone fireplaces for cooking wood-fired pizza, or stone counters around a grill for food preparation. "Because the kitchen is typically the customary gathering place in the home, it's a natural extension for family and entertaining guests," Sekeres says.



Warming accents



A fire feature such as a fireplace, pit, table, pot or ring creates an inviting outdoor focal point as well as a functional spot for entertaining, says Sekeres. A half-circle seat wall or outdoor furniture around a fire pit or table creates a cozy nook, and adding a grill, pub set, chaise or settee can transform a patio into a lounge for gatherings well into the evening and late in the season.



A newer trend is the green or living wall, says Sekeres. Products like the VERSA-Green Plantable Retaining Wall System from VERSA-LOK lets do-it-yourselfers and professional installers alike easily add drama and beauty to retaining walls. "A living wall planted with herbs near an outdoor grill or a landscaped wall of flowers is an eye-catching, eco-friendly and unique use of retaining walls," says Sekeres.



Adding ambiance



Pathways created with pavers, stepping stones and permeable pavers can join both back and front outdoor living spaces. "New homes and older homes make good use of the longstanding porch design," says Sekeres. "It's easy to create a paver walkway linking the front and back or an outdoor kitchen to a lounge area."



Lighting installed within steps and along paths can also add a unified ambiance to a home's hardscape. Adding decor such as pergolas, trellises and arbors covered with natural materials like bamboo or fiber screens is great solutions for privacy, shade or continuity of design.



"There's no limit to the hundreds of ideas to enhance your yard," says Sekeres. "Many products are easy for the do-it-yourselfer with manufacturer instructions, seminars and other resources. Talk to a landscape professional, visit a home and garden show and landscape supply stores, or search the Internet for inspiration. Take advantage of the outside to easily expand your living space."



For more information on VERSA-LOK products, visit its website or call (800) 770-4525.



Tuesday, April 11, 2017

Selling or staying put, 'daylighting' improvements pay off for homeowners



If your home will be on the market soon, you're probably looking for every possible edge that will make it stand out to potential buyers. But even if you're staying put, you still want to make your home as attractive and valuable as your budget will allow.



"Daylighting" improvements that boost your home's brightness and energy efficiency offer substantial return on investment for both home sellers and those who will be staying in their homes for the foreseeable future.



Bringing the daylighting concept home



Industrial and office designers have long used daylighting - the concept of illuminating interior spaces with natural light from above - to improve energy efficiency, healthfulness and functionality of rooms. The slower housing market and sluggish economy have raised homeowner interest in the concept.



"Daylighting improvements not only elevate a home's visual appeal for potential buyers, they can enhance homeowners' enjoyment of their living space, and reduce energy costs," says Ross Vandermark, product manager with an international skylight manufacturer.



Homeowners who want to apply the principles of daylighting to their home have many options: They can add windows or roof windows or install any number of types of traditional skylights or Sun Tunnel tubular skylights.



The easiest daylighting upgrade



While adding a window in the wall of your home may raise practical and design issues, adding a roof window or skylight can be much easier. Roofs are, for the most part, a blank slate, allowing you to install skylights wherever they are needed most. And daylighting from above doesn't just add functionality; it offers room-changing drama and decorating flair.



Roof windows are hinged, venting units designed to be installed in easily accessible areas, such as the angled walls in attic bonus rooms, and are operated by hand. A double-sash roof window is available that opens from both bottom and top to form a balcony on your roof. These units are often used in place of, or to replace, dormers.



Skylights are usually positioned higher on the ceiling, out of reach. Venting models can be opened or closed manually with a control rod or by remote control.



Skylights are popular with daylighting designers for several reasons. First, they easily fulfill the primary goal of daylighting by admitting more natural light into a room than similar sized vertical windows - thereby reducing the need for energy to power artificial lights. But they also work to enhance the healthfulness of a home.



If you opt to install a manual or electric venting skylight, it can be a natural, low-energy way to vent humidity, fumes and stale air from your home. Electric venting models open and close by remote control and have rain sensors to close them automatically.



Energy efficiency, high-tech and decorating in one package



Another important similarity among windows, roof windows and skylights is in the glazing, or how the glass is manufactured. Since the units are mounted facing directly at the sun, skylight glazing technology has to be among the best in the industry. Qualified units feature double-pane, gas-filled construction to control heat gain or loss, and filter the sun's fade-causing rays.



Independent research done in Denmark shows that skylights admit 30 percent more light than vertical windows in dormers, and provide the drama of a sky view that can't be achieved with vertical windows.



In addition to high-tech features such as remote control and automatic rain sensors, skylight blinds are available in a varied palette of colors and patterns. Homeowners can utilize blinds as another decorating option while achieving as much as a 37 percent increase in energy efficiency, according to Vandermark.



He recommends closing the blinds on high heat/sun days in the summer to reduce potential solar heat gain and, on cold winter nights, to provide an extra layer of thermal insulation to keep warm air indoors.



Skylights also address important health considerations. One in five Americans suffers varying degrees of Seasonal Affective Disorder (SAD), a condition in which the symptoms can include depression and fatigue due to lack of sufficient daylight. Skylights can help by admitting abundant daylight while visually expanding rooms in any style or size home.



Modern, low-profile skylights are unobtrusive and as dependable as vertical windows. Information about units with a 10-year, no-leak installation warranty, plus an installer locator, is available at veluxusa.com. There's also a free mobile phone app available to help homeowners see how skylights and blinds would look in rooms in their own homes.



For government information on window and skylight energy efficiency, visit energystar.gov, and for independent agency information, visit nfrc.org or efficientwindows.org. For remodeling information visit nahb.org/remodel or greenhomeguide.org.



Taking the intimidation out of DIY bathroom renovation



(BPT) - When it comes to home improvement, Americans have embraced doing it themselves - in a big way. Among homeowners who plan to make improvements, 64 percent say they will do it themselves, according to American Express' Consumer Spending and Saving Report. Yet one area of home improvement continues to give even adventurous and confident DIYers pause - bathroom renovation.



"Many people who don't think twice about installing flooring or cabinetry or even tiling on their own, still feel they need a professional to upgrade their bathrooms," says Gray Uhl, director of design for American Standard. "However, with the availability of easy-to-install products, like no-tools toilets and Speed Connect faucets, bathroom upgrades are well within the abilities of most do-it-yourselfers."



Upgrading or adding a bathroom continues to be a winning home improvement for owners, whether they intend to sell or stay in their homes. A mid-range bathroom remodel recoups more than 65 percent of its cost at the time of resale, according to Remodeling Magazine's Cost vs. Value report. An upscale bathroom renovation returns more than 58 percent.



If you're considering remodeling a bathroom, here are quick, easy ways to spruce up your bathroom yourself, and still end up with professional quality results:



Start small: the power of bath accessories



When you think of bathroom accessories, towels and toothbrush holders likely come to mind. But anything that enhances the look of your bathroom decor can function as an accessory. Simple moves like swapping out dated cabinet hardware (or adding it where there was none) can help transform the look and feel of the bath.



Switching out a boring mirror with a beveled option can turn a functional background element into something eye-catching. Or, dress up an existing mirror by adding a frame. It's easy to find mirror framing kits online or in your favorite home improvement store.



Keep thinking creatively when it comes to accessories, and imagine what you could do in the shower area. If your shower is a tub/shower combination, replacing a standard straight curtain rod with a curved one not only creates an elegant appearance, it can give you more elbow room while you're using the shower.



If you have a shower stall with a door, consider swapping a plain glass door with a decorative one. Home improvement stores often carry a variety of designer options that are frosted or have a pattern. A new shower door can make an old shower look fresh and bold.



Style and function: replace toilet and bathroom faucet



The toilet, sink and faucet are essential elements that can be beautiful as well as functional. Replacing dated, inefficient models with newer options can give a bathroom a whole new look - and improve its usability. Easy-to-install products make updating these important bathroom fixtures simple and speedy.



Replacing a faucet can be a challenge when there are so many moving parts to contend with - not the least of which is the drain. Typical bathroom faucets can have as many as 14 parts to connect. American Standard's Quentin bathroom faucet collection features a Speed Connect pre-assembled drain that requires no special tools or plumber's putty.



Products like the American Standard Champion line of high efficiency toilets (HETs) blend powerful performance and water savings with easy installation. The WaterSense-certified Champion HETs use 20 percent less water than standard toilets without losing any flushing power. Available in tall height and elongated or round-front models, these toilets offer practical features like a slow-close seat that eliminates loud slams. Plus, their permanent EverClean antimicrobial finish inhibits the growth of stain and odor-causing bacteria, mold and mildew on the surface. Made for fast, easy installation by DIYers, Champion toilets that feature the EZ-Install kit include everything do-it-yourselfers need to install the toilet without the use of special tools or difficult bolt-cutting.



Added bonus: Buy a Champion and be a champion, joining a campaign by American Standard to raise awareness that almost half the world lacks a safe way to go to the bathroom. For every Champion toilet sold in the U.S. and Canada, American Standard will donate a hygienic latrine pan to a developing country to help raise the global standard of living through safe sanitation. Learn more at FlushForGood.com.



Wednesday, April 5, 2017

Five smart steps to maximize bathroom space





In spite of its heavy use, bathrooms are often some of the smallest areas in a home. Cross tight square footage with limited storage, and it quickly becomes cluttered and cramped - far from a pleasant place to start and end each day. Adding function doesn't require changing your bathroom's footprint. To maximize your bathroom storage and make it work best for you, consider these design and organizational tips.



Tip 1: Install a floating vanity

A big trend in small bathroom design is the floating vanity; its wall-mount installation leaves floor space below open and uninterrupted, which tricks the human eye into reading the space as larger than it actually is. Floating vanities come in a variety of materials and designs that offer plenty of counter top space and storage solutions.



Tip 2: Make your mirror work harder

Is your bathroom sporting an old bulky medicine cabinet? Replace it with a smarter option designed with innovative storage that makes life easier. Robern, the industry leader in bathroom storage and grooming, recently introduced the R3 Series Mirrored Cabinets, a perfect solution for DIY-ers looking for a fast, affordable fix. The 1-inch flange around the cabinet's perimeter covers imperfections, eliminating the hassle of re-tiling or re-plastering, making it a project you can easily complete in a day.



Tip 3: Use hidden space to your advantage

In a small bathroom it might be hard to imagine where you might find even an inch of extra space, but there's one secret area you can access and use to your advantage. If you have a blank wall, the space between the studs offers a plethora of potential storage space. You can build shelves directly between the studs, which adds lots of extra space for items like washcloths and toiletries, all within the existing footprint.



Tip 4: Get wired for modern practicality

Your morning routine charges you for the day ahead, so make sure items like electric razors and toothbrushes are fully charged, too. Cabinets equipped with outletskeep personal care items fully juiced and concealed, leaving counter tops and sink surfaces clutter-free for a clean and organized space both you and guests to enjoy.



Tip 5: Revamp the storage drawer

Vanity drawers in disarray steal precious time from your morning and evening routine. First step to function: Purge. Toss old or unused cosmetics, personal supplies, grooming tools or other items you don't use. Next, reorganize with inserts that transform drawers into organizational powerhouses. Look for inserts that will streamline how you use your bathroom, such as options with different sized compartments or even one made specifically for your hair dryer.



Tuesday, March 28, 2017

Five tips for kitchen redos





* Add color and light. Splashes of color and artwork can transform a kitchen from a workspace to a fun, vibrant family-gathering spot. To show off those dazzling colors, choose window treatments that let the sunshine in. And take a look at the windows themselves. High-efficiency replacement windows and patio doors can not only save you money over their less-efficient predecessors from the second they are installed, but they often retain most of their value should the home be sold, according to industry statistics. Simonton Windows offers a variety of types, sizes and styles across a number of collections, and can help you find the right windows for your remodeling needs. For detailed window options, visit www.simonton.com.



* Add appeal and ease. Stainless steel continues to be the most popular finish for kitchen appliances, sinks and fixtures. Besides its modern, sleek appearance, stainless steel cleans easily and resists wear and tear. That is especially true for kitchen sinks, which receive the brunt of abuse. New lines of stainless-steel sinks, in a variety of styles, configurations and sizes, are available from Moen. To ease renovation, the new styles feature an updated drop-in deck design. These drop-in sinks include Moen's refreshed sink-deck design, a minimal, transitional style that coordinates with a variety of decor and faucet designs. The new recessed deck allows sponges or other wet items placed on the deck's inner ledge to drain back into the sink, and not onto the countertop. The sinks' wear-resistant, uniform, brushed finish offers durability and resistance to chipping, cracking, staining or peeling.



* Go bold with fixtures. For topping off a kitchen-remodeling project, nothing beats bold and functional fixtures. The new STo collection of stylish, modern faucets from Moen encompass a slim, sleek design, including the innovative, integrated pulldown wand which neatly docks inside of the spout. The rounded, high-arc spout of the STo faucet features a tubular design that unites with a cube-shaped base. Adding the finishing touch is a rectangular lever handle. Available in both single-handle pulldown kitchen and bar/prep pulldown models, STo faucets also feature Moen's Reflex system, which offers self-retraction of the wand, as well as an exceptional range of motion, generous reach and secure docking retraction. Choose the Spot Resist Stainless finish, with Chrome and Matte Black as other finish options. For more information about Moen products, visit www.moen.com.



* Store in style. Kitchen storage can be practical and stylish. After determining what you don't like about your current cabinetry - consider location, storage capacity, storage flexibility, material and finish - find out what options you have. MasterBrand offers a spectrum of cabinetry products ranging from standard to custom, with solutions for every budget and lifestyle. For more on cabinetry products from MasterBrand, visit www.masterbrand.com.



* Freshen the flooring. While design, color and surface appeal are important considerations, you'll also want kitchen flooring that can live up to your lifestyle and provide the comfort and durability you need, according to bobvila.com. Natural stone and ceramic tile are high-end products that ooze taste and elegance. If selecting these hard surfaces, also invest in mats for areas where you'll be standing for longer periods of time. Linoleum and vinyl offer the look of tile or wood in a more economical, easy-to-clean package. Hardwood has made great strides as a flooring option for kitchens, due to improved product quality and sealing technology.



Tips for making moving day easier





Using your truck will make the move much easier, as you shuttle belongings - both large and small - from your old home into your new abode. Be sure your truck is equipped to handle the big move by scheduling a tune-up the week before and checking that all accessories like elastic cords are handy for use. Also consider purchasing a truck bed cover to help make your move easier by securing and protecting your belongings while they are in transit to your new home. Made of heavy-duty, double coated vinyl, the ACCESS truck bed cover installs quickly and easily with a clamp-on installation and is designed specifically to fit your truck.



Put the following tips to good use in organizing your move, and be sure to reward your helpers for all the hard work they do when the day is done with a fun dinner out or a gift certificate for a favorite store.



* Secure parking - If your new home is on a busy city street or part of a large condominium complex, you will want to reserve parking for your truck ahead of time. Contact the association or the city and register for a parking permit to block off space in front of your new home for your moving day.



* Divide and conquer - Give your helpers tasks they can do unassisted. Have one helper monitor the loading of your truck with boxes, making sure each is marked with its correlating final room destination. Another helper can be based at the new home, making certain all belongings end up in the proper rooms. If you have additional help, assign them the tasks of unpacking boxes - like kitchen dishes. Put sticky notes on the cupboards where you want dishes to be located to make this task easier. Having your helpers assigned to specific jobs allows you to handle any last-minute packing, or other jobs only you can handle.



* Keep your belongings secure en route - Whether you're stopping overnight and leaving your truck parked in a hotel lot, or pausing for gas, leaving items open to view in the bed is an invitation for theft. A locking truck cover, like the ACCESS truck bed cover, allows you to shield the bed contents from the elements and the eyes of thieves.



* Provide nourishment - Keep plenty of food and water available at both homes to provide fuel and nourishment for all workers. Also encourage short breaks to help keep energy levels going strong throughout the entire day.



* Encourage communications - Provide your helpers with cellphone numbers or two-way radios for a quick way to communicate during the day. Keeping communications open allows for a quicker moving process, and also helps to prevent any confusion on where belongings will go once they arrive at the new house.



* Keep children and pets occupied - Having pets or small children around can distract your helpers, and potentially make it dangerous for everyone involved in the moving process. Consider hiring a babysitter or pet-sitter for the day, or ask a family member to watch over them during the moving process in lieu of helping you out with the move.



Most importantly, keep calm during the chaos of moving day. Your calm demeanor will influence your helpers to stay relaxed, which encourages everyone to move more efficiently and safely. And just know, at the end of the day, while you may still have belongings in boxes, you're in your new home and ready for future adventures to begin.



Wednesday, March 22, 2017

Retirement planning crucial for small business owners



Planning for retirement is crucial for everyone, and it is especially critical for small business owners, the business leaders many cite as the life blood of the American economy.



Indeed, according to the U.S. Small Business Administration, small business owners employ half of all private sector employees, pay 44 percent of total U.S. private payroll, and have generated 65 percent of net new jobs over the past 17 years.



The challenge before American small business owners is keeping their companies financially healthy long-term. This is so that small business owners do not over-rely on the sale of their business alone to take care of them in retirement, and so the business will continue to remain a viable employer in the communities it serves.

Because small business owners and entrepreneurs are busy every day working to keep their businesses running strong, their schedule can often interfere with planning for the future. But in this economy, planning is a must in any business strategy. Without it, business owners may be surprised to find that the ultimate sale of their business may not leave enough for them to live on. This is because the sale timing might be off, or their finances are not strong enough to cover a full retirement.

"Setting a target number - or dollar figure of what is needed to live on for the rest of your life - is important, and it should be determined at least 10 years before you're ready to retire," says Tara Reynolds, corporate vice president with Massachusetts Mutual Life Insurance Company (MassMutual). "And as you approach retirement, it's also a good idea to re-calculate what the business is worth with a proper business valuation to determine how you will need to fund your non-working years, if the value has changed. Having this plan and expectation in place can help you determine the best way and time to retire from your business."

Retirement%20planning%20crucial%20for%20small%20business%20owners The average business owner expects to retire at age 68, according to a survey conducted by GfK Custom Research North American for MassMutual this year. Yet only one-third of the respondents had a sound retirement strategy to ensure income for life, having access to income when needed, managing potential health care expenses and leaving a legacy to the next generation.

MassMutual financial professional Katheigh Degen of Kansas City offers the following tips to help small business owners stay financially secure during the run up to retirement.

* Anticipate needs - Traditionally, most people need about 70 percent of their current annual income to live comfortably in retirement. Know what your business is worth - both as one entity, and also broken down into smaller parts. Only about 10 percent of business sales involve the entire business as one lump sum.

* Save on the side - You've probably heard about diversifying your portfolio, and the same is true with diversifying your retirement plan. Put aside 20 to 25 percent of your gross income in savings outside of the business. This provides you with flexibility as you plan your exit from the business. For example, if you have an heir or employee interested in purchasing the company, they might not be able to afford it all at once, but could take over the helm with smaller payments over a period of time. Having additional savings can help you tide over in retirement while you also receive payments for the business.

* Explore options - As you near retirement, selling off your business in one setting would make everything easy. But as mentioned earlier, it doesn't always work that way. Knowing your business' value can help you evaluate offers that come your way, so you can make an educated decision on whether to sell and live comfortably in retirement, or keep working and pursue a better offer.

* Don't wait too long to find a buyer - Within three to five years of retirement, business owners should start to find a buyer for the business. Of course, this plan demands that the owner set an expected retirement date and stick to it. By waiting too long, owners may begin to experience poor health and low energy, which could affect productivity and potentially the profitability of the company.

Planning for retirement is so crucial, and owning a business can often add complications in timing the retirement perfectly.

"Business owners put so much hard work into building the business and making it strong and viable in the market," says Degen. "With additional planning in retirement strategy, a good business owner can retire and see the business continue to succeed even after it has been transitioned over to new owners."



Tuesday, March 14, 2017

Busting first-time homebuyer myths



(BPT) - When buying a first home, most people are making one of the biggest purchases of their lives. Without home buying experience, it's hard to separate fact from fiction.



"Buying a first home can be exciting and stressful for most young buyers, especially the financing process," says Clete Thompson, vice president at imortgage, a division of loanDepot LLC. "There's a lot of paperwork, many choices, and sometimes budgets don't stretch very far. Our licensed loan officers specialize in helping first-time buyers navigate the home finance process, which can be stressful if you're not working with a seasoned professional."



To help first-time buyers, the experts at imortgage are uncovering prevalent myths about financing a home purchase:



Myth: It takes a 20 percent down payment to buy a home.



Reality: Required down payment amounts vary by type of loan and they are on average much smaller than people think. Last year, the median down payment for all first-time buyers was 6 percent, according to the National Association of Realtors. One reason is that many first-time buyers use FHA loans, which require down payments as low as 3 to 3.5 percent. VA loans require nothing down for qualified veterans or active military personnel. If you want to take out a conventional loan, many lenders do require 20 percent down, but you can lower that percentage with private mortgage insurance. There are also hundreds of down payment assistance programs that eliminate or reduce down payment requirements for qualified borrowers.



Myth: If you owe a lot of student loan debt, there is no way you can get a mortgage .



Reality: Don't assume that having a lot of student loan debt automatically disqualifies you from getting a mortgage. The key factor is not necessarily the size of your loan obligation, but the amount of your total monthly debt payments compared to your monthly income. This is called DTI. imortgage, for example, has approved thousands of loans to first-time buyers whose monthly student loan payments were as high as $300, and many more could qualify by increasing their monthly income.



Myth: If your credit score is low, you should not even try to get a mortgage.



Reality: Millions of potential buyers assume they will not be approved for a mortgage even though many could qualify, according to a national survey commissioned by loanDepot LLC. Today, median FICO scores for mortgages to buy a home are 683 for FHA loans and 754 for conventional loans. But hundreds of thousands of buyers with scores lower than those are getting mortgages if they have good income and low levels of debt.



Myth: Buying a home isn't a good investment.



Reality: Real estate, like other assets, rises and falls based on supply and demand. Over the past two years, home values in most markets have been rising. While all real estate is local, if you bought a home in March 2012, by August 2014 the national median home price as measured by Case-Shiller had risen 29.6 percent.



Myth: The mortgage-interest tax deduction is going away.



Reality: Though the deduction has its critics, most observers believe it is unlikely that Congress will eliminate the mortgage interest deduction any time soon. Many states also allow homeowners to write off the interest they pay on their mortgages from their state income taxes. Check with your accountant or CPA on if you can qualify for this type of tax deduction.



Myth: I'm about to get married and the wedding is so expensive I won't be able to buy a home.



Reality: According to TheKnot, the average wedding has 138 guests who typically give a gift valued at $100 each. That's $13,800 in spatulas, baking pans and other things. If every guest contributed to a Down Payment Fund, you could have enough saved for a down payment on a $276,000 home in San Diego.



"These are just a few of the myths about home buying that surface frequently in our conversations with first-time buyers," says Thompson. "I always advise potential buyers, especially first- time buyers, to get in touch with one of our local imortgage loan officers if they're interested in straight answers to specific questions about financing a home. We are here to help."





A guide for getting through emergency home repairs



A surprise can be fun on some occasions, like your birthday. But when it comes to home repair emergencies, a surprise is the last thing you want.



Unfortunately, this is a situation all too many homeowners find themselves in after a home emergency. Often they discover that a repair they assumed would be covered by their home insurance or local utility is actually their responsibility to fix.



From water and drainage systems to electrical and heating/cooling configurations, your home is a complex network of pipes, wires and electrical components that could require an emergency repair at any time.



An outside water pipe breaking or a sewer line collapsing can easily rank as a homeowners' worst nightmare; however, when an emergency occurs, most homeowners are not aware of who is responsible for the damage. In fact, less than 50 percent of the homeowners in a recent national survey, conducted by GfK Roper Custom Research, knew that they were responsible for repairs to the water line between their house and the street.



This is where companies that offer emergency home repair plans, such as HomeServe, can make the difference between peace of mind and an expensive and time-consuming repair.



"According the results of the survey, one third of all homeowners responding assumed that their local utility was responsible for the cost of a burst water line between their house and the street, when this is usually not the case," says Tom Rusin, chief executive officer of HomeServe. "One of the challenges of home ownership is that the potential for expensive repairs is always out there. In fact, repairing a water service line can cost more than $2,000 and simply clearing a blocked drain can cost upwards of $350."



Rusin suggests that all homeowners do the following things to minimize the potential financial liability and hassle associated with home repair emergencies:



1. Speak to your homeowners insurance agent to get a clear understanding of which areas of your home are covered by your insurance policy and which ones are not. Potential trouble spots include interior and exterior electrical wiring, outside water service and sewer lines, inside plumbing and gas piping, central heating and air conditioning systems, and the water heater.



2. Similarly, speak to your local electric, gas, and water utilities to determine equipment that you may be responsible for. As mentioned earlier, the water and sewer lines that run underneath the lawn are the responsibility of the homeowner in the vast majority of cases.



3. Proper maintenance of home components greatly minimizes the chance of an unexpected emergency. For example, check the air filter on your central heating or cooling system regularly and change it about once every three months during the season. Protect water pipes from freezing with proper insulation or draining them prior to winter. And fix leaky faucets and toilets to save water and prevent bigger problems.



4. Consider a home emergency protection plan that can relieve you of not only the financial burden of a home emergency, but also the uncertainty involved in looking for a repair person on a Sunday afternoon.



"The more prepared homeowners are for a home repair emergency, the more peace of mind they'll have and the more time they can spend enjoying their house with their families," says Rusin.



Wednesday, March 8, 2017

Kitchen remodeling: How to go from a far-off dream to 'DIY'



Year after year, no matter the state of the housing market, kitchen remodeling remains a good idea. The project perennially tops lists of value-for-your-money home improvements and almost every buyer will be attracted to a kitchen that's updated and move-in ready. Even if you're planning on staying in your home for a while, few things can reinvigorate your home like a brand new kitchen.



Kitchens are the hardest-working rooms in most homes, and the wear and tear that comes with years of use can leave them looking drab. A remodeling project that makes over your kitchen from floor to ceiling can do more than just improve the aesthetics - it can also be a great way to adapt the room for better functionality.



If you've put off dreams of a new kitchen because you think it's unaffordable, you might want to reconsider the changes you can make with your own two hands (and maybe those of some family and friends). When you have the right tools on hand, do-it-yourself kitchen remodeling projects are more accessible than you might think. By visiting a nearby rental store to pick up the necessary tools, you can see twice the savings - in addition to the DIY cost savings, you'll avoid the expenses associated with buying the tools outright. By going to RentalHQ.com, you can find local stores that have all the tools you need to remodel and revive your kitchen.



Here are some essential parts of the project and the tools you'll need to get going:



* Floors: There are lots of stylish and functional options for flooring, but the type of saw you'll need for cutting things down to size will depend on what material you choose. For tile, you'll need a wet saw, but a cut-off saw for wood and laminate. A table saw can also be helpful for wood flooring.



How%20to%20go%20from%20a%20far-off%20dream%20to%20%27DIY%27 * Trim: Putting the finishing touches on is important, both for looks and for long-term stability. For molding and other trim, a pneumatic nailer will save you an enormous amount of time, energy and frustration.



* Cabinets: Now more than ever before, homeowners have great options for easy-to-install cabinetry that don't require a team of professionals. Make sure that you've got the right drill, drill bits, nails, screws, anchors, levels and supports on hand before you get started - that way you'll be able to work without interruption.



* Countertops: Again, the tools you need will vary, depending on what material you're using. If you need to cut a material like laminate to size, a jigsaw will be a convenient tool. Sanders and drills are two more items you'll want to have nearby.



* Walls: Whether you're hanging drywall or simply painting, a ladder will be an essential tool. If your kitchen has particularly high ceilings or hard-to-reach spots, renting a ladder to fit the task is a good idea.



A beautiful kitchen will quickly become a focal point in your home, both for your family and for potential buyers. By taking the project into your own hands, you can save a significant amount of money, giving you even better return on your investment. For more ideas and information, visit www.RentalHQ.com.



Tuesday, February 28, 2017

Easy DIY projects that spruce up a home in no time



(BPT) - Give Dad a break from his "to do" list and instead handle some of those easier DIY tasks for him. From simple fixes to bigger projects, sometimes all you need is the right tool at the right time to get the job done.



Here are some helpful ideas to get you started.



Fix that door that won't stay open: Having a door that shuts when you want it to stay open can be a real annoyance. Try tightening the screws on the top door hinge with a power screwdriver like the new 360 Quick-Select from SKIL. This tool comes with 12 of the most commonly used screwdriver bits in a rotating compartment located at the front of the tool so you don't have to put your project on hold to switch bits.



Put together a ready-to-assemble (RTA) piece of furniture: RTA furniture looks like an easy project in the store, but once you get it home it can quickly get the best of you. But with a little patience and the right tool, the project can provide self-satisfaction besides a new piece of furniture. In fact, using a power screwdriver can help eliminate frustration and get the project finished even faster, plus you'll know each screw is secure to avoid anything falling apart later.



Give old furniture a new life: If the office desk is looking shabby (or maybe it's a table or dresser), give it an easy makeover. Use sandpaper to take off old varnish and help the new paint adhere to the piece. Wipe off any dust with a clean dry cloth, then apply 1-2 coats of fresh paint with a brush, roller or spray can. Let the paint dry thoroughly then seal with a coat of Polyurethane for a protective finish.



Update ceiling fixtures: Most of us don't realize how ceiling fixtures can quickly change the look of a room. Always turn the power to the circuit off before changing a fixture. Remove the old fixture by unscrewing the cover plate and disconnecting the electrical wires. Reconnect the new fixture according to the directions included in the box. Using a lightweight power screwdriver for this project will prevent your arms from getting tired while working above your head.



Day to day repairs: Keeping a power screwdriver in the kitchen drawer will let you make those little repairs as they happen. So when that drawer knob or towel bar comes loose again because the kids are forever pulling on them too hard, grab the power screwdriver out of the draw and get it fixed on the spot. Lithium ion batteries can stay charged for up to 18 months so the power screwdriver will be charged and ready when you need it.



SKIL Tools has all the tools you need to complete at-home projects whether you're a beginner or have advanced skills. Visit www.SKILTools.com/360 for information on the new 360 Quick-Select, and take advantage of the Where to Buy feature.



Wednesday, February 22, 2017

Ideas for small bathroom remodeling



Basic Design



While you plan to re-work the bathroom space, the first thing you need to consider is its design. While working on bathroom remodeling ideas for small bathrooms, try not to change the existing layout and plumbing. You can either add or reduce the elements, but avoid shifting the major elements. If you have a bathtub then you can consider adding a shower enclosure. With the required shower fixtures and a classic shower curtain, you can enjoy the soothing shower as well as the relaxing bathtub. Apart from this, add a wall hung vanity to the basin. Corner, wall hung basin is best to be added instead of pedestal basins that occupy a lot of space. Utilize the corner space as much as you can. If you are adding a shower stall consider using glass as this will not give a blocking effect.



Add Storage



Once the basic design is worked over, you need to add some extra storage here. Remember that lack of storage is sure to make your small bathroom look cluttered and messy. As mentioned above, add wall hung bathroom vanity that will not occupy the floor space. Make arrangements to place your towels, bathrobes, etc. Have a vertical mirror over the basin and add small shelves on either sides of the mirror. These shelves will help you place the toiletries. One of the best small bathroom remodeling ideas is to add more shelves and closed cabinets on a side wall where you can keep grooming essentials and other bathroom accessories.



Color it Fresh



Giving a fresh coat to your bathroom needs no mention while you remodel it. Browse through the remodeling ideas for small bathrooms and you will find a lot of lively colors covering the bathroom walls. While it is best to paint small spaces in lighter shades like white, peach, lemon yellow, you can consider adding spicy element with a hint of flashy shade. Go for wall texturing or add a dark shade between the light colors. If bathroom walls are covered with tiles, make sure you clean them and the grout thoroughly and make them anew.



Spice it Up



Once you have finished implementing the basic bathroom remodeling ideas for small bathrooms, it is time to spruce up the area. Add decorative accent pieces like potted plants near the entrance and empty shelves. You can use decorative show pieces, wall hangings and frames to play up the bathing area. Use colorful, scented candles and decorative candle holders to further brighten up the small bathroom remodeling designs.



With the aforementioned bathroom remodeling ideas for small bathrooms, get ready to have a great looking bathing space. Make sure you maintain uniformity in terms of colors to get the best effect while bathroom remodeling for small bathrooms. With latest bathroom fixtures that area available in classy finishes and designs, you can give a grand touch to the area. Fresh and bright colors will help give a lively look to the bathroom designs for small spaces. So when are you remodeling your small bathroom?



by: Mamta Mule

http://www.articlecity.com/articles/home_improvement/article_7148.shtml



Tuesday, February 14, 2017

Boost your home's curb appeal for a quicker sale



Selling a home requires a bit of marketing, some sweat and elbow grease, and a touch of luck. But even in a competitive selling market, it is possible to turn the sign in your front yard from For Sale to Sold so you can move on to your next residence.



First, look at your home as if you were a potential buyer. Drive up to the driveway or the front curb and park, carefully looking at the home as if for the first time. Make note of the beautiful aspects of your home, and also areas that could deter potential buyers. The outside of your home is the first image they will see, both in person, and while pre-shopping online.



One maintenance project to tackle that will really spruce up the exterior of your home is refurbishing the outside woodwork that has been weathered by the sun, rain and snow. If you have a front porch, wooden window edgings or even a back deck, chances are these areas could benefit from new stain for a refreshed and clean look.



Home decks return about 70 percent of their original cost back to homeowners when a house is sold, according to Remodeling Magazine's annual Cost vs. Value Report, but that's only when the decks are kept in top shape. To remove moisture and sun damage and protect your exterior woodwork from further damage from moss, mold and rot, Flood wood care offers an entire wood care system from prepping materials such as deck cleaners to stain. Before prepping your deck, consider if you need Wood Finish Remover to remove latex, oil, semi-transparent and solid stains, or if your deck is unstained, you may need Wood Brightener/Cleaner to bring the old and faded gray coloring back to a fresh new wood appearance. Finally, apply a Flood wood stain to your deck and woodwork to give it a beautiful look that will have home buyers and your neighbors impressed.



In addition to your exterior woodwork, also take a look at your siding and gutters. Vinyl and aluminum sidings can collect dirt and look dingy after a season or two. Use a power washer on the siding and gutters to wash away the grime and spider webs and bring some vibrancy back to the outside of your home. Also consider adding season-appropriate flowers, plants or landscaping or replacing gutter downspouts with decorative chains to give your home an artistic look.



Finally, take a close look at your exterior lights. Glass-enclosed lights can become filthy from all the elements, so take a quick moment to wipe them clean with glass cleaner. If your light fixtures are tarnished, or looking run down, purchase a can of spray paint in any complimentary color to the exterior of your home and freshen them up. It will make your lights appear new in no time at all.



These quick-fix projects will boost the look of your home both for prospective buyers arriving at your front door, and also in the photographs visible online. With this better exterior appearance, chances are you'll be able to sell your home much quicker.



The marriage merge: Practical tips for combining your lives



Your wedding is sure to be the happiest day of your life, but marriage stretches well beyond those 24 hours. Merging your lives as husband and wife starts even before you say your "I do's" and will require some effort and patience - which will be good practice for your future life together.



The technical side of getting married can be a little confusing, so seeking advice from friends and family is a good idea. However, there will be some questions that might need professional advice, so don't be afraid to consult the pros when necessary. As you start your journey through life together, keep these key tasks in mind to make sure you're well prepared.

* Discuss your finances. Having an open and honest discussion with your fiance about finances is very important, and it should include the bad with the good. Because you'.re getting married, you'll be with each other through thick and thin, so having a forthright conversation about money ahead of time is a good idea. If you have debt, discuss how much and how you'll pay it off, but you'll also need to talk about things like creating joint accounts, as well as how and whether you want to divide or share money.



Understanding your credit portfolio and status as well as protecting against identity theft should also be part of the discussion - and credit monitoring products like the Equifax Complete(TM) Family Plan enable married couples to see alerts for each spouse's accounts when changes occur to their credit files, helping to keep track of potential impacts to their credit histories while detecting potential identity fraud.

* Prep for taxes. Married couples can file taxes jointly or separately, and you'll need to consider which approach is the best option for you. Seek the advice of a tax preparer or financial adviser who can help you understand the advantages and disadvantages and the adjustments you'll need to make for your W-2 form. Keep in mind that if you're married before December 31 of the year for which you're filing taxes, you qualify as having been married for the entire year.

* Talk about bills. As much as you can count on taxes, you can also count on bills. Whether they're monthly, quarterly or annually issued, you need to figure out who will take care of which bills and where the money will come from. Setting up autopay can lessen the bill-paying chore list. You should also make sure that both spouses' names are on the appropriate accounts. Even if you use autopay, it's important to check in on your accounts to make sure that nothing is going wrong.

* Make decisions about moving. If you're living separately prior to getting married, you'll need to decide which home you'll live in. For some couples, this might mean selling a house, while for others it might mean leaving rentals behind and looking for a home to buy. When you're discussing homes and moving, talk about how your feelings regarding moving away from your current home city, in case you're ever offered a job transfer opportunity.

* Get insurance in order. Meet with your insurance agent or agents to go over your current plans and add your spouse to them. There may be advantages to using one insurer for all of your policies, so if you are currently with different insurers, speak to each to see where you'll get the best deal. You should also explore your options for health care - one spouse's employer might offer a better plan than the other.

Taking care of these practical financial tasks might seem less than exciting compared to the thrill of your wedding day, but getting them done right is important. Since finances are a notorious source of stress, having a clear understanding with your spouse will ensure that you have a good foundation for your marriage.



For more information on tools to monitor your credit and help protect against identity theft, go to www.equifax.com.